Consolidated Statements of Income and Comprehensive Income (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Revenues
Net premiums earned (includes affiliated reinsurance of $142,608,940, $130,555,613 and $134,823,098 - see note 3)	$ 475,002,222	$ 431,470,184	$ 378,030,129
Investment income, net of investment expenses	20,168,919	20,858,179	19,949,714
Installment payment fees	7,465,532	7,427,509	5,519,287
Lease income	953,216	957,353	922,937
Net realized investment gains	6,859,439	12,281,267	4,395,720
Equity in earnings (loss) of DFSC	4,533,257	2,023,127	(268,341)
Total revenues	514,982,585	475,017,619	408,549,446
Expenses
Net losses and loss expenses (includes affiliated reinsurance of $81,219,926, $87,950,502 and $81,539,930 - see note 3)	332,871,584	340,502,777	274,308,858
Amortization of deferred policy acquisition costs	74,314,000	68,571,000	66,354,000
Other underwriting expenses	73,914,514	66,923,764	54,564,500
Policyholder dividends	1,342,582	1,240,079	619,158
Interest	2,358,711	2,126,784	799,578
Other	2,322,934	2,392,528	2,059,203
Total expenses	487,124,325	481,756,932	398,705,297
Income (loss) before income tax expense (benefit)	27,858,260	(6,739,313)	9,844,149
Income tax expense (benefit)	4,765,640	(7,192,266)	(1,623,030)
Net income	23,092,620	452,953	11,467,179
Unrealized gains (losses) on securities:
Unrealized holding gain (loss) arising during the period, net of income tax (benefit) of $4,833,143, $12,237,669 and ($1,976,358)	9,171,817	23,077,997	(3,544,783)
Reclassification adjustment for gains included in net income, net of income tax of $2,332,209, $4,175,631 and $1,494,545	(4,527,230)	(8,105,636)	(2,901,175)
Other comprehensive income (loss)	4,644,587	14,972,361	(6,445,958)
Comprehensive income	$ 27,737,207	$ 15,425,314	$ 5,021,221
Common Class A
Earnings per common share:
Earnings per share, Basic	$ 0.92	$ 0.02	$ 0.46
Earnings per share, Diluted	$ 0.91	$ 0.02	$ 0.46
Common Class B
Earnings per common share:
Earnings per share, Basic	$ 0.83	$ 0.01	$ 0.41
Earnings per share, Diluted	$ 0.83	$ 0.01	$ 0.41