Consent of Independent Accountants

We consent to the  inclusion in this amended  report of Goran  Capital,  Inc. on
Form 8-K of our report  dated June 14, 1996,  on our audits of the  consolidated
financial  statements  of  Superior  Insurance  Company and  Subsidiaries  as of
December 31, 1995 and 1994 and for the years ended December 31, 1995,  1994, and
1993.

                                                        COOPERS & LYBRAND L.L.P.

                                                   /s/  COOPERS & LYBRAND L.L.P.

Atlanta, Georgia
April 4, 1997