Debt Cancellation Coverage
Reinsure DCC through your own dealer-owned reinsurance company to cover total debt after a total loss, reduce write-offs, and help customers get back into another vehicle faster.
Build a stronger BHPH portfolio with reinsured F&I products designed to protect collateral, reduce write-offs, and keep more underwriting profit in-house. DealerRE helps dealers structure programs like DCC, CPI, VSI, and service contracts with hands-on guidance, compliance support, and decades of experience serving dealerships nationwide.
Dealer-owned reinsurance solutions built to protect portfolios, retain profits, and strengthen BHPH operations.
Reinsure DCC through your own dealer-owned reinsurance company to cover total debt after a total loss, reduce write-offs, and help customers get back into another vehicle faster.
CPI helps protect your interest in uninsured collateral when borrowers fail to maintain required coverage, while allowing your dealership to retain underwriting profits through reinsurance.
VSI protects lenders and dealers against uninsured losses, repossession-related expenses, towing, storage, and skip tracing costs, all within a dealer-owned reinsurance structure.
Reinsured GAP programs help cover the difference between insurance settlement and loan balance after a total loss, with options for deductible coverage and added assistance benefits.
Keep more extended warranty profit in-house with reinsured vehicle service contracts that improve ownership experience, support retention, and increase per-deal F&I income.
Offer customizable limited warranty coverage through your own reinsurance company instead of relying on third-party providers, giving you more control over claims and profitability.
DealerRE helps BHPH operators replace third-party product dependency with dealer-owned reinsurance structures that support profitability, claims control, and long-term portfolio stability. From DCC and CPI to VSI and service contracts, these programs are built to protect your receivables, improve customer continuity after losses, and give your dealership greater control over underwriting income, compliance, and administration.
See how dealers improve profitability and control with reinsurance-backed 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..."
"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..."
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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."
"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,..."
"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..."
"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!"
"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..."
"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..."
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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."
"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,..."
"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..."
"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!"
"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..."
"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..."
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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."
"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,..."
"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..."
"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!"
DealerRE combines deep dealership knowledge with full-service reinsurance support.
Founded in 1994, DealerRE brings decades of reinsurance guidance to BHPH and independent dealers.
DealerRE manages legal forms, filings, renewals, tax returns, reporting, and bookkeeping for clients.
Staff onboarding, F&I training, and menu support help dealerships implement programs with confidence.
From Southeast Virginia roots to coast-to-coast service, DealerRE supports dealers across the country.
Experienced professionals guiding dealer-owned reinsurance growth.
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.
For dealership F&I products and reinsurance, there is no universal consumer credit score requirement because these programs are structured for dealers, not retail buyers. Product eligibility, pricing, and performance are tied more to dealership operations, portfolio mix, underwriting structure, and compliance. For BHPH dealers, the focus is usually on protecting receivables, collateral, and profitability rather than setting a minimum borrower score.
Talk with DealerRE about your dealership's goals and program structure.
DealerRE supports dealerships nationwide with reinsurance guidance, onboarding, and ongoing administrative support.
Nationwide
Coverage Area
400+ Dealers
Dealer Reach
Mon-Fri 9AM-5PM
Availability
See how DealerRE can support your dealership wherever you operate.
National dealer association member and sponsor.
Active across multiple dealer associations.
Clients earned respected dealer honors.
Share your dealership goals and current F&I setup. Our team will help you explore reinsurance options, implementation needs, 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.