Policy and Claim Reserves (Tables)

12 Months Ended

Dec. 31, 2012

Policy and Claim Reserves [Abstract]

Reconciliation of Policy and Claim Reserves

The following table is a reconciliation of beginning and ending property and casualty reserve balances for claims and claim adjustment expense (dollars in thousands):

	Year ended December 31,
	2012			2011
Summary of claims and claim adjustment expense reserves
Balance, beginning of year	$	14,386		$	13,184
Less reinsurance recoverable on unpaid losses	2,381			1,329
Net balances at beginning of year	12,005			11,855
Net losses:
Provision for claims and claim adjustment expenses for claims arising in current year	30,569			39,292
Estimated claims and claim adjustment expenses for claims arising in prior years	(1,476		)	59
Total increases	29,093			39,351
Claims and claim adjustment expense payments for claims arising in:
Current year	26,272			33,012
Prior years	4,841			6,189
Total payments	31,113			39,201
Net balance at end of year	9,985			12,005
Plus reinsurance recoverable on unpaid losses	1,229			2,381
Claims and claim adjustment expense reserves at end of year	$	11,214		$	14,386