Vehicle Service Contracts
Reinsure VSCs through a dealer-owned company to retain underwriting profits, improve long-term F&I income, and create a stronger ownership experience instead of relying on third-party providers.
Explore how DealerRE helps auto dealers turn core F&I products into long-term profit centers through dealer-owned reinsurance. From vehicle service contracts and GAP to ancillary protections, this guide explains the options, structures, and operational advantages dealerships use to improve per-deal performance, retain underwriting income, and strengthen the ownership experience for customers.
A focused look at high-value F&I products dealerships can reinsure to retain profits and improve program control.
Reinsure VSCs through a dealer-owned company to retain underwriting profits, improve long-term F&I income, and create a stronger ownership experience instead of relying on third-party providers.
GAP programs help cover the difference between insurance settlement and loan balance after a total loss, while dealer-owned reinsurance keeps more profit inside the dealership.
Offer road-hazard tire and wheel protection with 24/7 roadside support while capturing ancillary F&I income through a reinsurable product structure.
For BHPH dealers, DCC helps cover total debt after a qualifying total loss and supports portfolio stability while preserving underwriting income.
Customizable limited warranty programs allow dealers to differentiate inventory, manage claims experience, and retain profits through their own reinsurance company.
Build a dealer-owned CPO program with inspections and reinsured warranty terms that strengthen trust, support sales, and keep more value in-house.
DealerRE helps dealerships structure F&I programs around products that can be reinsured through their own company, creating more control over profits, claims experience, and long-term growth. Instead of sending revenue to outside providers, dealers can retain underwriting income, support customer-facing coverage options, and build a more efficient, better-managed finance operation with guidance backed by decades of industry experience.
See how dealerships use smarter reinsurance structures to improve profitability and strengthen their F&I programs.
"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 reinsurance expertise, dealership insight, and full-service support to help clients build stronger F&I programs.
Trusted since 1994, with decades of dealer-focused reinsurance guidance and program development.
DealerRE manages filings, renewals, tax returns, reporting, training, and claims support.
Team members include professionals with real dealership and F&I management experience.
Supporting over 400 dealers coast to coast with scalable F&I reinsurance solutions.
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.
A common example of an F&I product is a vehicle service contract, often called an extended warranty. Other examples include GAP, tire and wheel protection, windshield repair, theft protection, and debt cancellation coverage. In DealerRE’s model, these products are not sold directly by DealerRE to buyers; instead, DealerRE helps dealerships reinsure eligible products through their own dealer-owned reinsurance company.
Speak with DealerRE for clear guidance on reinsurance options.
Active industry association membership and support.
Longstanding experience serving auto dealers.
Strong client satisfaction and credibility.
Use the form to discuss your dealership goals, current product mix, and reinsurance opportunities with the DealerRE team.
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.