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Schedule V (Details) - USD ($)
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Valuation Provision      
Valuation and Qualifying Accounts Disclosure [Line Items]      
Balance at Beginning of Period $ 3,022,731 $ 2,620,903 $ 1,902,581
Additions Charged to Costs and Expenses 6,267,911 6,287,694 7,536,381
Additions Charge to Other Accounts - Describe 0 0 0
Deductions - Describe [1] (5,737,863) (5,885,866) (6,818,059)
Balance at End of Period 3,552,779 3,022,731 2,620,903
Reserves for Claims      
Valuation and Qualifying Accounts Disclosure [Line Items]      
Balance at Beginning of Period 36,677,000 35,360,000 39,078,000
Additions Charged to Costs and Expenses 4,478,494 5,229,716 (571,596)
Additions Charge to Other Accounts - Describe 0 0 0
Deductions - Describe [2] (3,367,494) (3,912,716) (3,146,404)
Balance at End of Period $ 37,788,000 $ 36,677,000 $ 35,360,000
[1] Canceled premiums
[2] Payments of claims, net of recoveries