Condensed Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
REVENUES
Net premiums earned	$ 12,533,000	$ 13,321,000	$ 26,029,000	$ 28,191,000
Net investment income	1,066,000	1,171,000	2,201,000	2,228,000
Net realized investment gains	865,000	261,000	1,071,000	1,031,000
Other income	193,000	256,000	390,000	511,000
Total Revenues	14,657,000	15,009,000	29,691,000	31,961,000
EXPENSES
Policyholder benefits paid	7,976,000	15,682,000	15,821,000	25,004,000
Policy acquisition costs	2,933,000	3,071,000	5,705,000	5,995,000
General expenses	1,835,000	2,418,000	4,323,000	4,589,000
Litigation settlement and defense costs	12,670,000	482,000	13,259,000	789,000
Taxes, licenses and fees	438,000	622,000	930,000	1,102,000
Interest expense	288,000	285,000	580,000	570,000
Total expenses	26,140,000	22,560,000	40,618,000	38,049,000
Income Before Income Taxes	(11,483,000)	(7,551,000)	(10,927,000)	(6,088,000)
INCOME TAX (BENEFIT) EXPENSE
Current	145,000	(2,515,000)	173,000	(2,165,000)
Deferred	(4,322,000)	(91,000)	(4,325,000)	27,000
Total income tax (benefit) expense	(4,177,000)	(2,606,000)	(4,152,000)	(2,138,000)
Net Loss	$ (7,306,000)	$ (4,945,000)	$ (6,775,000)	$ (3,950,000)
EARNINGS PER COMMON SHARE	$ (2.96)	$ (2.00)	$ (2.75)	$ (1.60)
DIVIDENDS DECLARED PER SHARE	$ 0.10	$ 0.15	$ 0.20	$ 0.30