DCC Reinsurance
Debt Cancellation Coverage reinsurance helps BHPH dealers cover total debt after a total loss while retaining underwriting profits through a dealer-owned reinsurance structure.
Understand how BHPH dealer reinsurance works, which products fit your portfolio, and how DealerRE helps dealers retain underwriting profits instead of sending them to third parties. Backed by decades of experience since 1994, DealerRE explains practical structures for DCC, CPI, VSI, and related programs so dealers can strengthen profitability, reduce write-offs, and improve long-term portfolio performance.
Explore core BHPH-focused reinsurance programs that help dealers protect portfolios, retain profits, and improve F&I performance.
Debt Cancellation Coverage reinsurance helps BHPH dealers cover total debt after a total loss while retaining underwriting profits through a dealer-owned reinsurance structure.
Collateral Protection Insurance reinsurance protects the creditor’s interest when borrowers fail to maintain required insurance, helping reduce uninsured collateral losses and preserve portfolio value.
Vendor Single Interest reinsurance protects dealers and lenders against uninsured damage, repossession-related losses, towing, storage, and skip tracing expenses tied to financed vehicles.
Guaranteed Asset Protection reinsurance allows dealers to retain profits on GAP products while helping address the balance difference after a covered total loss.
Reinsured limited warranty programs let dealers keep underwriting profits on mechanical breakdown coverage while improving ownership experience and differentiating their BHPH offering.
Vehicle service contract reinsurance helps dealers capture more F&I income, control claims experience, and build stronger long-term profitability through dealer-owned structures.
BHPH dealer reinsurance gives dealerships a way to participate in underwriting profits from products tied to their portfolio instead of relying solely on outside providers. With DealerRE, dealers can structure programs around products like DCC, CPI, VSI, GAP, and warranty-related offerings while gaining support with setup, administration, compliance, reporting, and training. The result is a more controlled, more profitable F&I strategy built for long-term growth.
See why dealerships rely on DealerRE for practical reinsurance guidance and long-term program support.
"Great company! They have been professional throughout the 2 years we've been with them and are always there for any questions we have. Just wish we signed up with them sooner. Would highly recommend the DealerRE Team!"
"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 long-term industry experience with hands-on support for dealer-owned reinsurance programs.
DealerRE has guided dealers since 1994 with proven reinsurance knowledge and long-term industry perspective.
The team manages setup, filings, renewals, tax returns, reporting, and ongoing administrative support.
Built specifically for auto dealers, with BHPH solutions designed to improve portfolio performance and profitability.
Staff onboarding, F&I development, and practical education help dealerships implement programs with confidence.
Experienced leaders focused on dealer profitability.
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.
BHPH, or Buy Here Pay Here, is a dealership model where the dealer sells the vehicle and finances it directly for the customer. Because the dealer carries the paper, it also carries more portfolio risk tied to defaults, uninsured losses, and vehicle damage. Reinsurance solutions help BHPH dealers manage that risk while retaining underwriting profits from qualifying products tied to the account.
Speak with DealerRE for clear, practical guidance.
Active industry association membership and support.
Decades of reinsurance experience and continuity.
Highly rated by verified client reviews.
Share your dealership goals and current product mix, and DealerRE will help you understand practical reinsurance options, setup considerations, and next steps.
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.