DCC Reinsurance
Structure Debt Cancellation Coverage through a dealer-owned reinsurance company so your dealership can retain underwriting profits while reducing losses tied to total-loss vehicle events.
DealerRE helps dealers structure and reinsure Debt Cancellation Coverage (DCC) through a dealer-owned reinsurance company, turning a protective product into a profit-retention strategy. Built for BHPH operators and dealer principals, this approach can reduce write-offs after total losses, improve portfolio performance, and help customers get back into another vehicle faster.
Dealer-focused reinsurance solutions that help protect portfolios, retain underwriting profits, and strengthen F&I performance.
Structure Debt Cancellation Coverage through a dealer-owned reinsurance company so your dealership can retain underwriting profits while reducing losses tied to total-loss vehicle events.
Add Vendor Single Interest coverage reinsurance to protect lender interests when borrowers fail to maintain required insurance or repossession-related losses occur.
Implement Collateral Protection Insurance reinsurance for uninsured collateral exposure, helping BHPH dealers reduce portfolio losses and keep more premium income in-house.
Reinsure Guaranteed Asset Protection programs through your own captive structure to retain profits and offer stronger protection against total-loss balance gaps.
Create reinsured limited warranty programs that improve customer confidence, support dealership differentiation, and keep underwriting gains with your business.
Reinsure vehicle service contracts through a dealer-owned company to maximize per-deal profitability and gain more control over the ownership experience.
DealerRE starts by evaluating your current BHPH or dealership operation, existing F&I products, and loss exposure to determine whether a DCC reinsurance structure fits your goals and portfolio performance targets.
See how dealers use reinsurance strategies to improve profitability and gain more control.
"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!"
"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..."
"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..."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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've been very pleased with our relationship with DealerRE and assured vehicle protection."
"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!"
"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"
"The program that they put together is just perfect for our organization!"
"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,..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"Great folks & easy deal with."
"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!"
"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..."
"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..."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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've been very pleased with our relationship with DealerRE and assured vehicle protection."
"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!"
"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"
"The program that they put together is just perfect for our organization!"
"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,..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"Great folks & easy deal with."
"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!"
"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..."
"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..."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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've been very pleased with our relationship with DealerRE and assured vehicle protection."
"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!"
"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"
"The program that they put together is just perfect for our organization!"
"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,..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"Great folks & easy deal with."
Dealers choose DealerRE for experience, guidance, and full-service program support.
Founded in 1994, DealerRE brings decades of reinsurance expertise to dealer-owned DCC program development.
We manage legal forms, filings, tax returns, renewals, claims support, and ongoing reporting.
Your staff receives onboarding and F&I training to present DCC clearly and consistently.
DealerRE serves dealers coast to coast with guidance tailored to BHPH and retail operations.
Experienced leaders focused on dealer profitability and support.
Founder
Tim Byrd founded DealerRE in 1994 and has spent decades helping dealers build stronger, more profitable F&I programs through reinsurance. Starting in Southeast Virginia, he developed the company around long-term relationships, practical dealer education, and hands-on guidance for program growth. His experience gives clients a seasoned perspective on how dealer-owned reinsurance can reduce dependence on third-party providers and improve financial performance. Tim has helped shape DealerRE into a family-led company known for service, consistency, and a values-driven approach. His work continues to influence how DealerRE supports BHPH operators, independent dealers, and franchise stores seeking better control over underwriting profits, claims experience, and overall dealership profitability.
President
Taylor Byrd serves as President of DealerRE and helps dealers understand the strategic value of opening and operating their own reinsurance company. He is a frequent speaker at national and state independent dealer association events and has shared insights on reinsurance through industry podcast appearances and educational outreach. Taylor combines leadership experience, dealership-focused communication, and a strong understanding of dealer profitability to guide clients through complex F&I opportunities. His background includes service as a Captain in the South Carolina Army National Guard, which informs his disciplined and service-oriented leadership style. At DealerRE, he works closely with dealers looking to improve margins, strengthen customer offerings, and create long-term value through well-structured reinsurance programs.
Vice President of DealerRE
Parker Byrd brings direct dealership experience to his role as Vice President of DealerRE, giving clients practical insight into how reinsurance programs fit real-world sales and F&I operations. Before joining DealerRE, he worked at local dealerships as both an F&I Manager and Salesman, which helps him relate closely to the challenges dealers face today. Since joining the company in 2018, Parker has supported dealers seeking more control over profitability, customer retention, and product performance. His operational perspective is strengthened by military service in the Army Reserves as a CH-47 mechanic and crew chief, where precision and accountability were essential. At DealerRE, he helps bridge strategy and execution for dealers implementing reinsured products like DCC.
Office Manager / Controller
Heather Spruill has been part of DealerRE since 2013 and plays a central role in keeping operations organized, responsive, and client-focused. With an MBA and a strong commitment to service, she supports the administrative and financial side of the business so dealers receive dependable communication and smooth program support. Her attention to detail helps reinforce the structured processes that are essential in reinsurance administration, reporting, and client care. Heather is known internally for her responsiveness and dedication, qualities that help create a positive experience for dealers working through onboarding and ongoing account needs. Her leadership in office operations contributes to the consistency and professionalism DealerRE brings to every client relationship.
VP of Business Development
Kristi Cashman serves as VP of Business Development and helps DealerRE clients identify opportunities to improve efficiency, productivity, and profit potential. With a background in Strategic Management and Marketing, she brings a growth-oriented perspective to dealer relationships and program development. Kristi works with businesses that want more than a basic product provider; she helps them understand how reinsurance can support broader operational and financial goals. Her communication skills and strategic mindset make her a valuable resource for dealers evaluating new F&I opportunities, including DCC and related reinsured products. At DealerRE, she supports long-term client success by aligning business development efforts with practical solutions that help dealerships capture more value from every deal.
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 practical understanding of dealership operations and client expectations. That combination helps her support dealers with clarity, responsiveness, and insight into how reinsurance programs affect day-to-day business performance. Brenda understands both the administrative side of coverage programs and the dealership realities behind product presentation and profitability. Her experience makes her a strong point of contact for clients who value knowledgeable support from someone who understands insurance, F&I, and the operational demands of modern dealerships.
Debt Cancellation Coverage, or DCC, is a contractual debt waiver that can cancel some or all of a customer's remaining balance after a covered total-loss event. In the dealer context on this page, DealerRE helps dealerships reinsure DCC through their own dealer-owned reinsurance company so the dealer can retain underwriting profits instead of sending them to a third party.
Speak with our team about dealer-owned reinsurance options.
DealerRE supports dealerships across the country with reinsurance guidance, onboarding, and ongoing administrative support.
Nationwide
Service Reach
28+ Years
Years Proven
400+ Dealers
Dealers Served
Connect with us to discuss your market and goals.
Industry association member and sponsor.
Active across multiple dealer associations.
Decades of dealer reinsurance experience.
Tell us about your dealership, current F&I setup, and goals. Our team will review your needs and help you understand whether a dealer-owned DCC program is the right fit.
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