CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Revenue:
Gross premiums written	$ 31,274	$ 27,144
Gross premiums ceded	(1,858)	(1,505)
Net premiums written	29,416	25,639
Decrease in prepaid reinsurance premiums	(9,849)	(11,520)
Increase in unearned premiums	(6,749)	(2,975)
Net change in prepaid reinsurance premiums and unearned premiums	(16,598)	(14,495)
Net premiums earned	12,818	11,144
Commission income	307	297
Finance revenue	114	120
Managing general agent fees	533	461
Net investment income	961	970
Net realized investment losses	(10)	(103)
Regulatory assessments recovered	0	106
Other income	20	131
Total revenue	14,743	13,126
Expenses:
Losses and LAE	5,728	8,447
Operating and underwriting expenses	2,411	2,713
Salaries and wages	2,211	2,199
Policy acquisition costs - amortization	2,748	2,940
Total expenses	13,098	16,299
Income (loss) before provision for income tax expense (benefit)	1,645	(3,173)
Provision for income tax expense (benefit)	573	(1,166)
Net income (loss)	$ 1,072	$ (2,007)
Net income (loss) per share - basic (in dollars per share)	$ 0.13	$ (0.25)
Net income (loss) per share - diluted (in dollars per share)	$ 0.13	$ (0.25)
Weighted average number of common shares outstanding - basic (in shares)	7,946,384	7,946,384
Weighted average number of common shares outstanding - diluted (in shares)	7,962,295	7,946,384
Dividends paid per share (in dollars per share)	$ 0	$ 0