UNPAID LOSSES AND LAE (Details) (USD $)	12 Months Ended
	Dec. 31, 2013 Group Method	Dec. 31, 2012	Dec. 31, 2011
UNPAID LOSSES AND LAE [Abstract]
Unpaid losses and LAE, period start	$ 49,908,000	$ 59,983,000	$ 66,529,000
Less reinsurance recoverables	(3,503,000)	(2,087,000)	(6,809,000)
Unpaid Losses and LAE, net, period start	46,405,000	57,895,000	59,720,000
Incurred related to Unpaid losses and LAE [Abstract]
Current year	56,209,000	31,636,000	31,893,000
Prior years	201,000	(1,427,000)	(997,000)
Total incurred losses and LAE	56,410,000	30,209,000	30,896,000
Paid Related To Unpaid Losses And LAE [Abstract]
Current year	22,695,000	15,892,000	13,672,000
Prior years	21,846,000	25,807,000	19,048,000
Total paid	44,541,000	41,699,000	32,720,000
Unpaid Losses and LAE, net, period end	58,274,000	46,405,000	57,895,000
Plus reinsurance recoverables	2,742,000	3,503,000	2,087,000
Unpaid losses and LAE, period end	61,016,000	49,908,000	59,983,000
Statutory loss and LAE reserves, net basis, range low	51,500,000
Statutory loss and LAE reserves, net basis, range high	60,900,000
Statutory loss and LAE reserves	55,500,000
Net loss and LAE reserves carried on a statutory basis	$ 54,000,000
Percentage of loss and loss adjustment expenses reserve (in hundredths)	2.60%
Loss reserves are categorized in number of distinct groups	2
Number of actuarial methods	4