CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Revenue:
Gross premiums written	$ 98,269	$ 96,410	$ 104,379
Gross premiums ceded	(46,293)	(52,963)	(56,217)
Net premiums written	51,976	43,447	48,162
(Decrease) Increase in prepaid reinsurance premiums	(2,656)	(2,108)	10,163
(Increase) Decrease in unearned premiums	(797)	3,721	(10,349)
Net change in prepaid reinsurance premiums and unearned premiums	(3,453)	1,613	(186)
Net premiums earned	48,523	45,060	47,976
Commission income	994	1,388	1,362
Finance revenue	518	395	294
Managing general agent fees	1,583	1,609	1,620
Net investment income	4,079	3,726	3,397
Net realized investment gains	2,725	6,777	1,117
Regulatory assessments recovered	109	857	2,333
Other income	1,632	792	755
Total revenue	60,163	60,604	58,854
Expenses:
Losses and LAE	30,896	40,088	43,706
Operating and underwriting expenses	9,916	10,835	9,681
Salaries and wages	8,004	8,611	7,930
Policy acquisition costs - amortization	12,347	13,025	13,747
Total expenses	61,163	72,559	75,064
Loss before provision for income tax benefit	(1,000)	(11,955)	(16,210)
Provision for income tax benefit	(570)	(3,959)	(5,921)
Net loss	$ (430)	$ (7,996)	$ (10,289)
Net loss per share - basic (in dollars per share)	$ (0.05)	$ (1.01)	$ (1.29)
Net loss per share - diluted (in dollars per share)	$ (0.05)	$ (1.01)	$ (1.29)
Weighted average number of common shares outstanding - basic (in shares)	7,946,384	7,946,384	8,002,365
Weighted average number of common shares outstanding - diluted (in shares)	7,946,384	7,946,384	8,002,365
Dividends paid per share (in dollars per share)	$ 0	$ 0.06	$ 0.36