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.
"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 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..."
"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...."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"The program that they put together is just perfect for our organization!"
"“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 team of reinsurance professionals! has been a pleasure to work with"
"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..."
"Excellent customer service! The team is very professional."
"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."
"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!"
"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."
"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..."
"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..."
"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 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..."
"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...."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"The program that they put together is just perfect for our organization!"
"“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 team of reinsurance professionals! has been a pleasure to work with"
"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..."
"Excellent customer service! The team is very professional."
"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."
"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!"
"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."
"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..."
"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..."
"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 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..."
"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...."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"The program that they put together is just perfect for our organization!"
"“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 team of reinsurance professionals! has been a pleasure to work with"
"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..."
"Excellent customer service! The team is very professional."
"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."
"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!"
"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."
"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..."
"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..."
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 in Southeast Virginia and has spent decades helping auto dealers build stronger, more profitable F&I operations through reinsurance. His work has centered on giving dealers practical ways to improve efficiency, retain underwriting profits, and create long-term financial strength. Under his leadership, DealerRE grew from a regional firm into a nationwide reinsurance partner serving hundreds of dealers. Tim's approach emphasizes education, relationship-building, and steady guidance so clients can implement programs with confidence. As the founder of a family company, he has helped shape DealerRE's long-standing reputation for personal service, operational discipline, and a commitment to helping dealers make smarter business decisions.
President
Taylor Byrd serves as President of DealerRE and helps dealers understand how reinsurance can improve profitability, control, and long-term business value. He is a frequent speaker at national and state independent dealer association events and has shared insights on reinsurance opportunities through industry podcasts and educational platforms. Taylor also co-authored a book focused on building stronger customer relationships, reflecting his emphasis on sustainable dealership growth. His leadership background includes service as a Captain in the South Carolina Army National Guard, which informs his disciplined, team-oriented approach. At DealerRE, he works closely with clients to translate complex reinsurance structures into practical strategies that support stronger F&I performance and better dealer outcomes.
Vice President of DealerRE
Parker Byrd brings direct dealership experience to his role as Vice President of DealerRE. Before joining the company in 2018, he worked at two local dealerships as both an F&I Manager and Salesman, giving him firsthand insight into the daily realities dealers face when implementing profit-focused programs. That background helps him connect reinsurance strategy to real-world dealership operations, customer interactions, and performance goals. Parker also served in the Army Reserves as a CH-47 mechanic and crew chief, experience that strengthened his attention to detail, accountability, and leadership. At DealerRE, he helps clients evaluate opportunities, understand program structures, and build solutions that align with modern dealership needs and long-term profitability objectives.
Office Manager / Controller
Heather Spruill has been part of DealerRE since 2013 and supports clients through strong operational oversight, financial coordination, and responsive communication. With an MBA and years of hands-on experience inside the company, she plays an important role in keeping internal processes organized and client support consistent. Her reputation for attentiveness and follow-through reflects DealerRE's service-first culture, especially when dealers need timely answers and dependable administrative support. Heather's work helps ensure that the moving parts behind reinsurance programs, reporting, and office operations stay on track. She combines professionalism with a personal approach that clients appreciate, making her a valuable part of the team that helps dealers navigate complex programs with greater confidence.
VP of Business Development
Kristi Cashman serves as VP of Business Development and focuses on helping dealers identify opportunities to improve efficiency, productivity, and profit potential through reinsurance. Her background in Strategic Management and Marketing supports a practical, growth-oriented approach to client relationships and program development. Kristi is known for helping businesses clarify goals and move toward stronger performance with thoughtful planning and communication. In her role at DealerRE, she works with dealers to understand how reinsurance can fit into broader business objectives, from F&I income growth to long-term operational value. Her ability to connect strategy with execution makes her an important resource for dealerships looking to build more intentional and profitable 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 valuable perspective on both coverage structures and dealership operations. That combination helps her support clients with practical insight into how reinsurance programs affect profitability, claims, and day-to-day administration. Brenda understands the importance of clear communication and dependable account support, especially for dealers managing multiple moving parts across their F&I offerings. Her experience allows her to help clients navigate program details with confidence while reinforcing DealerRE's commitment to knowledgeable, relationship-driven service.
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 (804) 824-9533
For immediate assistance, feel free to give us a direct call at (804) 824-9533