INCOME TAXES (DETAILS 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Discounting of loss reserves	$ 47,258	$ 50,928
Unearned premiums	41,797	40,861
Net unrealized losses on investments	0	2,161
Operating and capital loss carryforwards	43,687	36,080
Accruals not currently deductible	59,098	58,042
Other investment adjustments and impairments	84	917
Tax credits	10,139	12,961
Other deferred tax assets	3,684	2,261
Deferred tax assets before valuation allowance	205,747	204,211
Valuation allowance	(41,100)	(40,331)
Deferred tax assets net of valuation allowance	164,647	163,880
Deferred tax liabilities:
Deferred acquisition costs	(45,788)	(41,170)
Net unrealized gains on investments	(1,168)	0
Amortization of intangible assets and goodwill	(13,096)	(11,972)
Equalization reserves	0	(4,493)
Other deferred tax liabilities	(1,282)	(1,483)
Deferred tax liabilities	(61,334)	(59,118)
Net deferred tax assets	103,313	$ 104,762	$ 89,405
Tax benefit related to share-based compensation costs incurred	$ 2,000