Debt Cancellation
Reinsure Debt Cancellation Coverage through your own dealer-owned company to reduce total-loss write-offs, retain underwriting profits, and help customers return to another vehicle after a covered loss.
DealerRE helps Buy Here Pay Here dealers build dealer-owned reinsurance programs that protect portfolios, retain underwriting profits, and strengthen long-term F&I performance. Backed by decades of experience since 1994, the team guides dealers through practical structures for DCC, CPI, VSI, and related products so they can reduce write-offs, improve customer retention, and keep more income in-house.
Dealer-owned reinsurance solutions built to protect BHPH portfolios, retain profits, and improve finance office performance.
Reinsure Debt Cancellation Coverage through your own dealer-owned company to reduce total-loss write-offs, retain underwriting profits, and help customers return to another vehicle after a covered loss.
Collateral Protection Insurance helps protect your interest when borrowers fail to maintain required insurance, while your reinsurance structure keeps more premium income and supports portfolio stability.
VSI reinsurance protects against uninsured damage, repossession-related losses, towing, storage, and skip tracing expenses while allowing dealers or lenders to retain underwriting profits.
Offer reinsured limited mechanical breakdown warranties through your own structure, giving your dealership more control over claims experience, customer retention, and profit participation.
Reinsure vehicle service contracts instead of relying on third-party providers, helping your dealership capture more F&I income and create a stronger ownership experience.
Dealer-owned GAP reinsurance helps retain profits on total-loss waiver products while supporting flexible coverage options that fit your dealership’s finance strategy.
DealerRE helps BHPH dealers replace outside product dependency with dealer-owned reinsurance structures designed for stronger control, better profit retention, and smarter portfolio protection. From DCC and CPI to VSI and limited warranties, each program is built to support underwriting income, reduce avoidable losses, and improve the customer experience. With full-service administration, training, and compliance support, dealers gain a practical path to long-term financial advantage.
See why dealerships nationwide rely on DealerRE for profitable, well-managed reinsurance program support.
"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..."
"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,..."
DealerRE combines decades of experience with hands-on support for dealership reinsurance programs.
Trusted since 1994, DealerRE brings decades of dealer-focused reinsurance knowledge and practical guidance.
The team manages forms, filings, renewals, tax returns, reporting, and ongoing program administration.
Staff training, F&I development, and onboarding help dealerships implement programs with confidence.
DealerRE has helped over 400 auto dealers retain profits and strengthen F&I performance.
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.
Dealer reinsurance allows a dealership to participate in the underwriting profits generated by eligible F&I products instead of sending those profits to a third-party provider. In a dealer-owned structure, products such as VSCs, GAP, DCC, CPI, or VSI are written with the dealership’s reinsurance company participating behind the scenes. When claims are managed properly and reserves are maintained, the dealer can retain profit, gain reporting visibility, and build long-term financial value.
Speak with DealerRE for clear guidance on your options.
Industry membership and dealer association support.
Decades of dealer reinsurance experience.
Highly rated by dealership clients.
Share your dealership goals and current F&I setup, and the DealerRE team will help you explore practical reinsurance options.
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.