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

September 7, 2005

Date of report (Date of earliest event reported:September 6, 2005)

FIRST ACCEPTANCE CORPORATION

(Exact Name of Registrant as Specified in Charter)

Delaware	001-12117	75-1328153
(State or Other	(Commission File	(I.R.S. Employer
Jurisdiction of	Number)	Identification No.)
Incorporation)

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

EX-99 PRESS RELEASE 09/06/05

Item 7.01. Regulation FD Disclosure.

     On September 6, 2005, 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 September 6, 2005

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: September 6, 2005

INDEX TO EXHIBITS

Exhibit No.	Description
99	Press release dated September 6, 2005

EX-99

                                                                      EXHIBIT 99

FOR IMMEDIATE RELEASE                       Source: First Acceptance Corporation
- ---------------------                     Contact: Chuck Hamilton (615) 844-2811


FIRST ACCEPTANCE CORPORATION SAYS LOSSES FROM KATRINA
NOT EXPECTED TO MATERIALLY IMPACT FINANCIAL RESULTS


NASHVILLE, TN, September 6, 2005 -- First Acceptance Corporation (NYSE: FAC)
said today that its losses in Mississippi and Alabama in the aftermath of
Hurricane Katrina are not expected to be material to the Company's financial
results.

Steve Harrison, President and CEO, said, "Although claims are only now being
reported, First Acceptance Corporation has evaluated its exposure to losses in
these two Southern states on the basis of number of vehicles insured by area and
by average value. We do not believe that our customers' insured losses will
exceed $250,000. In addition, First Acceptance has catastrophic reinsurance
should losses exceed $1 million. Of our 309 total stores, we currently have a
combined total of four locations in Gulfport, Mississippi and Mobile, Alabama
that were most affected by the hurricane. We do not believe that the loss or
slowdown of business from these and other stores in the two states will be
material."

"Given this evaluation, we believe that we are very well prepared financially
and operationally to meet our obligations to our customers, and that our
exposure to Hurricane Katrina will not materially adversely affect our financial
results for fiscal 2006."

First Acceptance Corporation will report its fourth quarter results after the
market closes on Monday, September 12, 2005. The earnings release will be
available on First Acceptance's website at http://www.firstacceptancecorp.com on
its investor site.


ABOUT FIRST ACCEPTANCE CORPORATION

        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 309 retail offices in 11 states. The Company's insurance
company subsidiaries are licensed to do business in 24 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 the statements above are based upon a
preliminary analysis of the effects of Hurricane Katrina, and may also be
affected by important factors including, among

others, the factors 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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