CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Revenue:
Gross premiums written	$ 45,826	$ 31,274
Gross premiums ceded	(2,834)	(1,858)
Net premiums written	42,992	29,416
Decrease in prepaid reinsurance premiums	(9,914)	(9,849)
Increase in unearned premiums	(14,286)	(6,749)
Net change in prepaid reinsurance premiums and unearned premiums	(24,200)	(16,598)
Net premiums earned	18,792	12,818
Commission income	507	307
Finance revenue	146	114
Managing general agent fees	689	533
Net investment income	794	961
Net realized investment gains (losses)	813	(10)
Regulatory assessments recovered	0	0
Other income	125	20
Total revenue	21,866	14,743
Expenses:
Losses and LAE	9,321	5,728
Operating and underwriting expenses	2,727	2,411
Salaries and wages	2,333	2,211
Policy acquisition costs - amortization	3,753	2,748
Total expenses	18,134	13,098
Income before provision for income tax expense	3,732	1,645
Provision for income tax expense	1,397	573
Net income	$ 2,335	$ 1,072
Net income per share - basic (in dollars per share)	$ 0.29	$ 0.13
Net income per share - diluted (in dollars per share)	$ 0.29	$ 0.13
Weighted average number of common shares outstanding - basic (in shares)	7,982,934	7,946,384
Weighted average number of common shares outstanding - diluted (in shares)	8,126,721	7,962,295
Dividends paid per share (in dollars per share)	$ 0.02	$ 0