DCC Reinsurance
Reinsure Debt Cancellation Coverage through your dealer-owned reinsurance company to retain underwriting profits, reduce write-offs after total losses, and help customers return to another vehicle faster.
Build a stronger Buy Here Pay Here portfolio with a reinsurance program designed to help dealers retain underwriting profits, reduce uninsured-loss exposure, and gain more control over claims and compliance. DealerRE has guided dealers nationwide since 1994 with practical structures for DCC, CPI, VSI, and related BHPH profit centers.
Structured reinsurance solutions that help BHPH dealers protect portfolios, retain profits, and improve long-term F&I performance.
Reinsure Debt Cancellation Coverage through your dealer-owned reinsurance company to retain underwriting profits, reduce write-offs after total losses, and help customers return to another vehicle faster.
Collateral Protection Insurance reinsurance helps protect your interest in uninsured collateral while allowing your dealership to keep more of the profit generated by force-placed coverage.
Vendor Single Interest reinsurance protects against uninsured damage, repossession-related losses, towing, storage, and skip tracing expenses while keeping underwriting income inside your structure.
Offer reinsured limited warranties that support customer confidence, improve ownership experience, and let your dealership control claims performance instead of outsourcing profits.
Retain profits from Guaranteed Asset Protection with a dealer-owned reinsurance structure that covers loan balance gaps after total loss events and supports stronger F&I income.
Vehicle service contract reinsurance helps BHPH dealers capture extended warranty profits, improve retention, and create a more controlled and profitable ownership lifecycle.
DealerRE helps Buy Here Pay Here dealers establish and manage reinsurance programs that keep more underwriting profit in-house instead of sending it to third-party providers. From DCC and CPI to VSI and warranty products, the program is built to strengthen portfolio performance, improve claims oversight, support compliance, and create long-term financial flexibility for growing dealerships.
See how dealers use reinsurance to improve profitability, control claims, and strengthen customer-facing F&I programs.
"Nothing but praise for the DealerRE products and team. The team is professional, focused and will almost ensure your sucess. We find the CPI very useful, and our customers love the Service Contracts. They are members of many of the independent dealer associates and seem to really enjoy working within..."
"A great company with excellent staff that is always willing to go the extra mile to help with anything you need. Dealers you need to be on this program. It helps your customers, your dealership and yourself!"
"I have been with the Byrd's for a couple of years now. It initially took me about a year to make the decision to even pull the trigger on re-insurance but they were there every step of the way and very patient while I made my decision. I trust them..."
"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."
"One of the best decisions we ever made for our BHPH operation was partnering with DealerRE! Taylor, Parker and their entire team are second to none!"
"“Great company to work with! I’ll admit I was skeptical when I first signed up in 2018, but looking back now, it has truly transformed my business for the better—not just for me, but for my customers as well. Parker, Taylor, and their knowledgeable staff are excellent and always very..."
"Excellent customer service! The team is very professional."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"Turnkey from A to Z! They really understand all the aspects of reinsurance and are ALWAYS available to help, being just a phone call away."
"I became a Dealer Re client after an unfortunate incident with another reinsurance company. My experience has been nothing short of delightful. The staff are helpful and knowledgeable. Although we’ve been in the industry for many decades, they’ve provided solid advice to help us tweak our sales and control claims...."
"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."
"The program that they put together is just perfect for our organization!"
"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"
"Nothing but praise for the DealerRE products and team. The team is professional, focused and will almost ensure your sucess. We find the CPI very useful, and our customers love the Service Contracts. They are members of many of the independent dealer associates and seem to really enjoy working within..."
"A great company with excellent staff that is always willing to go the extra mile to help with anything you need. Dealers you need to be on this program. It helps your customers, your dealership and yourself!"
"I have been with the Byrd's for a couple of years now. It initially took me about a year to make the decision to even pull the trigger on re-insurance but they were there every step of the way and very patient while I made my decision. I trust them..."
"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."
"One of the best decisions we ever made for our BHPH operation was partnering with DealerRE! Taylor, Parker and their entire team are second to none!"
"“Great company to work with! I’ll admit I was skeptical when I first signed up in 2018, but looking back now, it has truly transformed my business for the better—not just for me, but for my customers as well. Parker, Taylor, and their knowledgeable staff are excellent and always very..."
"Excellent customer service! The team is very professional."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"Turnkey from A to Z! They really understand all the aspects of reinsurance and are ALWAYS available to help, being just a phone call away."
"I became a Dealer Re client after an unfortunate incident with another reinsurance company. My experience has been nothing short of delightful. The staff are helpful and knowledgeable. Although we’ve been in the industry for many decades, they’ve provided solid advice to help us tweak our sales and control claims...."
"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."
"The program that they put together is just perfect for our organization!"
"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"
"Nothing but praise for the DealerRE products and team. The team is professional, focused and will almost ensure your sucess. We find the CPI very useful, and our customers love the Service Contracts. They are members of many of the independent dealer associates and seem to really enjoy working within..."
"A great company with excellent staff that is always willing to go the extra mile to help with anything you need. Dealers you need to be on this program. It helps your customers, your dealership and yourself!"
"I have been with the Byrd's for a couple of years now. It initially took me about a year to make the decision to even pull the trigger on re-insurance but they were there every step of the way and very patient while I made my decision. I trust them..."
"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."
"One of the best decisions we ever made for our BHPH operation was partnering with DealerRE! Taylor, Parker and their entire team are second to none!"
"“Great company to work with! I’ll admit I was skeptical when I first signed up in 2018, but looking back now, it has truly transformed my business for the better—not just for me, but for my customers as well. Parker, Taylor, and their knowledgeable staff are excellent and always very..."
"Excellent customer service! The team is very professional."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"Turnkey from A to Z! They really understand all the aspects of reinsurance and are ALWAYS available to help, being just a phone call away."
"I became a Dealer Re client after an unfortunate incident with another reinsurance company. My experience has been nothing short of delightful. The staff are helpful and knowledgeable. Although we’ve been in the industry for many decades, they’ve provided solid advice to help us tweak our sales and control claims...."
"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."
"The program that they put together is just perfect for our organization!"
"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"
DealerRE combines decades of reinsurance experience with hands-on support for dealership growth.
Serving dealers since 1994 with decades of reinsurance guidance and program management expertise.
DealerRE manages legal forms, filings, renewals, bookkeeping, reporting, and claims administration for dealers.
Staff onboarding, F&I training, and menu support help dealerships implement programs with confidence.
DealerRE supports BHPH dealers coast to coast with responsive guidance and structured program oversight.
Experienced advisors focused on dealer profitability and support.
Founder
Tim Byrd founded DealerRE in 1994 and has spent decades helping auto dealers build stronger, more profitable F&I programs through dealer-owned reinsurance. His experience spans program structure, profitability strategy, and long-term dealer support, giving clients practical guidance rooted in real industry knowledge. Tim's leadership helped establish DealerRE as a trusted resource for dealerships seeking to retain underwriting profits instead of relying on third-party product providers. As the company's founder, he has remained focused on helping dealers improve efficiency, strengthen customer offerings, and create sustainable financial advantages through well-managed reinsurance programs.
President
Taylor Byrd serves as President of DealerRE and helps dealerships understand the strategic value of opening and operating their own reinsurance company. A frequent speaker at national and state independent dealer events, he brings a strong educational approach to dealer partnerships and is known for making complex reinsurance concepts practical and actionable. Taylor has also appeared on industry podcasts to discuss dealer-owned reinsurance opportunities and how dealers can improve profitability through smarter F&I structures. His leadership combines industry insight, communication, and a commitment to helping clients build programs that support both operational performance and long-term growth.
Vice President of DealerRE
Parker Byrd brings dealership-side experience to his role as Vice President of DealerRE, having previously worked as both an F&I Manager and Salesman at local dealerships. That firsthand background helps him relate directly to dealer clients and understand the day-to-day realities of presenting products, managing profitability, and improving customer experience. Since joining DealerRE, Parker has helped support reinsurance programs with a practical perspective shaped by real showroom and finance office experience. His ability to connect operational dealership needs with long-term reinsurance strategy makes him a valuable resource for clients looking to strengthen ancillary product performance and retain more F&I income.
Office Manager / Controller
Heather Spruill joined DealerRE after earning her MBA and has become a key part of the company's client support and operational administration. As Office Manager and Controller, she helps ensure dealers receive responsive communication, organized program support, and dependable back-office coordination. Her commitment to service is reflected in the consistency and professionalism clients experience throughout their relationship with DealerRE. Heather's administrative leadership supports the company's full-service model, helping dealerships stay focused on growth while DealerRE assists with the details that keep reinsurance programs running smoothly and efficiently.
VP of Business Development
Kristi Cashman serves as VP of Business Development and helps dealerships identify opportunities to improve efficiency, productivity, and profit potential through smarter reinsurance strategies. With a background in strategic management and marketing, she brings a growth-focused perspective to dealer relationships and program development. Kristi works closely with clients to align business goals with practical F&I solutions that support stronger performance over time. Her ability to combine strategic thinking with client-centered communication makes her an important part of DealerRE's mission to help dealers build more valuable, better-managed reinsurance programs.
Account Manager
Brenda West brings more than 20 years of insurance industry experience to her role as Account Manager at DealerRE. She also has a financial background from working as an F&I Manager at a successful dealership, giving her a strong understanding of both insurance operations and dealership profitability. That combination helps her support clients with practical insight into how reinsurance programs fit into everyday F&I performance. Brenda's experience allows her to communicate clearly with dealers, anticipate common concerns, and help maintain the responsive service DealerRE is known for across its nationwide client base.
A BHPH reinsurance program is a dealer-owned structure that allows a Buy Here Pay Here dealership to reinsure products such as DCC, CPI, VSI, GAP, or limited warranties. Instead of sending underwriting profits to outside providers, the dealer retains more of that income while gaining greater visibility into claims performance, compliance, and portfolio risk.
Speak with our team about program structure, setup, and dealer fit.
Active industry association member and sponsor.
Long-standing reinsurance industry experience.
Backed by strong client satisfaction.
Share a few details about your dealership and goals. DealerRE will review your needs, explain suitable program options, and outline what setup and ongoing administration can look like.
For immediate assistance, feel free to give us a direct call at +1 804-824-9533.
For immediate assistance, feel free to give us a direct call at +1 804-824-9533.