DCC Reinsurance
Structure Debt Cancellation Coverage through a dealer-owned reinsurance company so your dealership can retain underwriting profits while reducing losses tied to total-loss vehicle events.
DealerRE helps dealers structure and reinsure Debt Cancellation Coverage (DCC) through a dealer-owned reinsurance company, turning a protective product into a profit-retention strategy. Built for BHPH operators and dealer principals, this approach can reduce write-offs after total losses, improve portfolio performance, and help customers get back into another vehicle faster.
Dealer-focused reinsurance solutions that help protect portfolios, retain underwriting profits, and strengthen F&I performance.
Structure Debt Cancellation Coverage through a dealer-owned reinsurance company so your dealership can retain underwriting profits while reducing losses tied to total-loss vehicle events.
Add Vendor Single Interest coverage reinsurance to protect lender interests when borrowers fail to maintain required insurance or repossession-related losses occur.
Implement Collateral Protection Insurance reinsurance for uninsured collateral exposure, helping BHPH dealers reduce portfolio losses and keep more premium income in-house.
Reinsure Guaranteed Asset Protection programs through your own captive structure to retain profits and offer stronger protection against total-loss balance gaps.
Create reinsured limited warranty programs that improve customer confidence, support dealership differentiation, and keep underwriting gains with your business.
Reinsure vehicle service contracts through a dealer-owned company to maximize per-deal profitability and gain more control over the ownership experience.
DealerRE starts by evaluating your current BHPH or dealership operation, existing F&I products, and loss exposure to determine whether a DCC reinsurance structure fits your goals and portfolio performance targets.
See how dealers use reinsurance strategies to improve profitability and gain more control.
"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..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"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!"
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"Excellent customer service! The team is very professional."
"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."
"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!"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"We've done business with DealerRe for years and have been very happy with them!"
"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!"
"Great folks & easy deal with."
"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..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"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!"
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"Excellent customer service! The team is very professional."
"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."
"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!"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"We've done business with DealerRe for years and have been very happy with them!"
"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!"
"Great folks & easy deal with."
"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..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"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!"
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"Excellent customer service! The team is very professional."
"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."
"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!"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"We've done business with DealerRe for years and have been very happy with them!"
"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!"
"Great folks & easy deal with."
Dealers choose DealerRE for experience, guidance, and full-service program support.
Founded in 1994, DealerRE brings decades of reinsurance expertise to dealer-owned DCC program development.
We manage legal forms, filings, tax returns, renewals, claims support, and ongoing reporting.
Your staff receives onboarding and F&I training to present DCC clearly and consistently.
DealerRE serves dealers coast to coast with guidance tailored to BHPH and retail operations.
Experienced leaders 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.
Debt Cancellation Coverage, or DCC, is a contractual debt waiver that can cancel some or all of a customer's remaining balance after a covered total-loss event. In the dealer context on this page, DealerRE helps dealerships reinsure DCC through their own dealer-owned reinsurance company so the dealer can retain underwriting profits instead of sending them to a third party.
Speak with our team about dealer-owned reinsurance options.
DealerRE supports dealerships across the country with reinsurance guidance, onboarding, and ongoing administrative support.
Nationwide
Service Reach
28+ Years
Years Proven
400+ Dealers
Dealers Served
Connect with us to discuss your market and goals.
Industry association member and sponsor.
Active across multiple dealer associations.
Decades of dealer reinsurance experience.
Tell us about your dealership, current F&I setup, and goals. Our team will review your needs and help you understand whether a dealer-owned DCC program is the right fit.
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.