8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT
Pursuant To Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of report (Date of earliest event reported): November 29, 2004 (November 29, 2004)

FIRST ACCEPTANCE CORPORATION

(Exact Name of Registrant as Specified in Charter)

Delaware	1-6802	75-1328153
(State or Other Jurisdiction	(Commission File	(I.R.S. Employer
of Incorporation)	Number)	Identification No.)

3813 Green Hills Village Drive
Nashville, Tennessee	37215
(Address of Principal Executive Offices)	(Zip Code)

(615) 844-2800

(Registrant’s Telephone Number, Including Area Code)

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

     Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

     o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

     o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

     o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

     o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	Item 7.01. Regulation FD Disclosure.
	Item 9.01. Financial Statements and Exhibits.
SIGNATURE
INDEX TO EXHIBITS
Ex-99 Press Release

Item 7.01. Regulation FD Disclosure.

     On November 29, 2004, First Acceptance Corporation issued a press release, the text of which is set forth as Exhibit 99.

Item 9.01. Financial Statements and Exhibits.

     (c) Exhibits

99 Press release dated November 29, 2004

SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

FIRST ACCEPTANCE CORPORATION
By:	/s/ Charles D. Hamilton
	Charles D. Hamilton
	Senior Vice President, Chief Financial Officer and Treasurer

Date: November 29, 2004

INDEX TO EXHIBITS

Exhibit No.	Description
99	Press release dated November 29, 2004

EX-99

                                                                      EXHIBIT 99


                                                         CONTACT: CHUCK HAMILTON
                                                                    615.844.2811



                    FIRST ACCEPTANCE CORPORATION SUBSIDIARIES
                         RECEIVE RATINGS FROM A.M. BEST



         NASHVILLE, Tenn., -- Nov. 29, 2004 -- A.M. Best Co., the world's
oldest and most authoritative insurance rating and information source, has
assigned a financial strength rating of B to USAuto Insurance Company, the
insurance subsidiary of Nashville-based First Acceptance Corporation (NYSE:
FAC). The B rating has also been assigned to Village Auto Insurance Company, a
wholly owned subsidiary of USAuto. A.M. Best advises that the outlook for the
ratings of both companies is "stable."

         Steve Harrison, President and CEO of First Acceptance Corporation,
said, "We are pleased with this rating of our insurance subsidiaries. "As we
maintain our disciplined approach to underwriting and claims, we believe that
the continued growth and profitability of our operations will be reflected in
future improvements in this important rating used by the insurance industry."

         First Acceptance Corporation began its operations as Liberte Investors,
Inc. in 1986. Its insurance subsidiary, USAuto, which began operations in 1995,
provides non-standard private passenger automobile insurance, primarily through
employee-agents in





First Acceptance Corporation Subsidiaries
Receive Ratings from A.M. Best


165 retail offices in seven states. The Company's insurance company subsidiaries
are licensed to do business in 22 states.

         This press release contains forward-looking statements. These
statements, which have been included in reliance on the "safe harbor" provisions
of the Private Securities Litigation Reform Act of 1995, involve risks and
uncertainties. Investors are hereby cautioned that these statements may be
affected by the important factors, among others, set forth in the Company's
Annual Report on Form 10-K for the fiscal year ended June 30, 2004 and its other
filings with the Securities and Exchange Commission. Actual operations and
results may differ materially from the results discussed in the forward-looking
statements. We undertake no obligation to publicly update or review any
forward-looking statement, whether as a result of new information, future
developments or otherwise.


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