Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $) In Thousands	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
Cash flows from operating activities:
Net loss	$ (15,564)	$ (7,943)
Adjustments to reconcile net loss to cash provided by operating activities:
Amortization of deferred policy acquisition costs	25,025	22,745
Policy acquisition costs deferred	(25,213)	(24,313)
Provision for depreciation and amortization	4,226	3,136
Compensation cost on restricted shares of common stock	2,421	2,268
Compensation cost on stock options	350	438
Net realized gains on investments	(407)	(10,383)
Deferred income tax benefit	(4,133)	(140)
Changes in certain assets and liabilities:
Unpaid loss and loss adjustment expense	50,010	60,431
Income taxes payable	(994)	(5,992)
Reinsurance recoverables, net of reinsurance withheld	(24,814)	(8,912)
Unearned premiums, net of deferred premiums and premiums receivable	(5,559)	(2,216)
Other assets and other liabilities	2,028	3,920
Net cash provided by operating activities	7,376	33,039
Cash flows from investing activities:
Purchases of investments	(80,559)	(254,446)
Proceeds from sales of investments	61,276	205,597
Maturities and redemption of investments	29,258	25,649
Purchases of property and equipment	(926)	(1,207)
Net cash provided by (used in) investing activities	9,049	(24,407)
Cash flows from financing activities:
Proceeds from exercise of stock options		26
Grant of restricted shares of common stock	5	4
Surrender of stock in connection with restricted stock vesting	(962)	(553)
Stockholder dividends paid	(2,216)	(1,098)
Net cash used in financing activities	(3,173)	(1,621)
Net increase in cash and cash equivalents	13,252	7,011
Cash and cash equivalents at beginning of period	15,958	12,896
Cash and cash equivalents at end of period	29,210	19,907
Supplemental disclosures:
Interest paid on surplus notes	259	257
Payable for purchases of investments	2,165	8,424
Receivable for sales of investments	$ 1,000	$ 2,936