Collateral Protection Insurance
Creditor-placed physical-damage protection when required borrower insurance cannot be verified, subject to the contract, policy, and applicable requirements.
Explore CPI InsuranceEligible dealers can participate in positive net CPI program results without starting a separate reinsurance company.See how CPI participation works
CPI first. Additional protection when it fits.
Auto Finance Protection Products Built Around CPI
Protect dealer-financed collateral, strengthen the receivable, and build a customizable product strategy around the real risks in your portfolio. CPI stays at the center; tracking, participation, reinsurance, VSI, GAP, warranty, technology, and supporting solutions are configured around dealer fit, customer value, and actual program terms.
One focused program review. Direct access to ACP decision-makers.
The flagship solution
Collateral Protection Insurance built around the dealer’s workflow.
Collateral Protection Insurance, often called creditor-placed or auto force-placed insurance, can help protect the creditor’s interest when required borrower physical-damage coverage is missing or cannot be verified. The useful program begins before placement—with accurate evidence review, clear borrower communication, documented decisions, and prompt corrections.
Understand the Complete CPI Program01Verify required insurance evidence
02Address missing or deficient proof
03Place CPI only when permitted
04Correct accounts and process required credits
05Support claims, reporting, and exceptions
CPI-firstOne clear category owner across the site
Fewer layersCompare the complete all-in program cost—not one headline rate
Direct accessWork with ACP decision-makers during evaluation and escalation
ParticipationA path for eligible dealers to share positive net results
The ACP difference
Participate in CPI profits without starting a separate reinsurance company.
Eligible dealers can receive a contractual share of positive net CPI program results without forming, owning, funding, or managing a separate dealer-owned reinsurance company. Dealers prepared for additional ownership can also evaluate dedicated reinsurance options.
See How CPI Participation WorksProtect the collateral
Collateral and portfolio protection
Start with the vehicle securing the receivable and the workflow that tells your team when that collateral is exposed.
Insurance Tracking & Verification
Monitor proof, coverage dates, VINs, deductibles, lienholder details, cancellations, reinstatements, and unresolved exceptions.
Explore Insurance TrackingVSI & Blanket Protection
Evaluate a broader lender-interest structure when loan-level CPI may not be the preferred model for the portfolio.
Compare CPI and VSICollateral Technology
Explore approved GPS, anti-theft, evidence-intake, reporting, and portfolio-monitoring capabilities through ACP program partners.
Discuss Technology NeedsProtect the loan
Loan and payment protection
Address defined loan-balance or payment risks with the correct product structure, disclosure, and administration.
GAP & Debt Cancellation
Evaluate eligible deficiency protection after a covered total loss or theft, using the correct insurance or contractual-waiver structure.
Discuss GAP ProgramsPayment Protection
Review approved debt-cancellation, credit-life, disability, or related payment-protection options where available and appropriately structured.
Explore Payment ProtectionDeductible Reimbursement
Consider contractual benefits that may reimburse an eligible primary-insurance deductible after a qualifying event.
Check Program AvailabilityProtect the vehicle
Vehicle and ownership protection
Help dealerships manage repair-cost friction, ownership interruptions, and product value without losing sight of affordability.
BHPH Limited Dealer Warranty
$99 down and $75 per month can create an affordable path to selected core-component protection, with an optional air-conditioning tier, for eligible programs and vehicles.
See the BHPH WarrantyVehicle Service Contracts
Build defined mechanical-repair coverage around inventory, mileage, customer needs, dealer operations, and approved program terms.
Explore Flexible CoverageRoadside, Maintenance & More
Add approved roadside assistance, maintenance, tire and wheel, key, windshield, dent, appearance, and related ownership benefits.
Build a Product MixAdditional approved options
A broader product menu without a confusing product dump.
Availability and legal classification vary. ACP will help identify which options are actually available through approved partners for the dealership, program, vehicle, and state.
Anti-theft and trackingCredit propertyDebt cancellationDiminishing value and trade-inDent and dingEtchExtended-service-contract supplementsGPS tracking failureIdentity protectionKey replacementLifetime powertrainPaint and fabricPrepaid maintenanceRoadside and trip interruptionTire and wheelWindshield protection
Build My Dealer Product Mix Where should I start?
Match the product to the risk—not the other way around.
A useful product conversation starts with what is happening in the dealership or portfolio. It does not start by checking every box on an F&I menu.
Customers cancel insurance or proof is hard to verify
Start with CPI and insurance tracking.
Explore insurance tracking and CPI →A total loss can leave a remaining loan deficiency
Evaluate GAP or the appropriate debt-cancellation structure.
Discuss GAP protection →Repair costs create missed payments and customer frustration
Explore the affordable BHPH limited-warranty program.
Explore the BHPH warranty →The portfolio needs broader lender-interest protection
Compare CPI, VSI, blanket, tracking-only, and retained-risk models.
Compare CPI, VSI, and blanket protection →A practical next step
Start with the CPI decision that protects the portfolio.
Share your portfolio range, the states you serve, and what is not working in your current process. An ACP decision-maker will help organize the next conversation.