CPI resources built around dealer-held receivables, insurance tracking, claims, and account corrections.Explore CPI for BHPH dealers
A transparent BHPH portfolio scenario model
BHPH Uninsured Collateral Exposure Calculator
Estimate the receivables, modeled annual loss, and staff workload connected to unresolved physical-damage insurance evidence. Then use the result to sharpen a CPI, VSI, tracking, or retained-risk comparison.
Free scenario model · Transparent formulas · Updated July 19, 2026
Interactive planning tool
Use your portfolio facts. Keep the assumptions visible.
The default values are examples, not ACP benchmarks. Replace them with documented dealer history where possible, label the strength of the inputs, and print the scenario so reviewers can challenge the same numbers.
01 / Portfolio assumptions
Build the exposure scenario.
Start with the example values, then replace each one with a documented portfolio measure or an explicitly labeled planning assumption.
02 / Calculated scenario
See what the assumptions imply.
Receivables represented are not projected losses. Evidence exceptions are review items—not automatic proof that an account lacks insurance.
03 / Sensitivity view
Change modeled loss by ±25%. Keep staff cost fixed.
This simple range shows how the result moves when modeled loss is lower or higher. It is not a confidence interval or an industry benchmark.
Selected annual planning exposure$26,668Planning sensitivity · Assumptions only
Use Record This Scenario when the current assumptions are ready for discussion.
Educational scenario model: This calculator is not an insurance quote, coverage determination, actuarial prediction, legal or compliance certification, provider-performance claim, savings estimate, or guarantee of results.
Interpret the result
Separate what the model shows from what it cannot prove.
The value of the exercise is not a single impressive number. It is a common set of definitions that finance, servicing, risk, and ownership can examine together.
Unresolved accounts are a review population
The calculation applies the selected evidence rate to active financed accounts. It does not decide whether every account in that population is uninsured.
Represented receivables are not projected losses
The unpaid balance shows how much receivable value is associated with the review population. Only the event-rate and net-loss assumptions feed the modeled loss.
Net loss should reflect recoveries
Use a consistent definition after salvage, insurance proceeds, borrower payments, and other applicable recoveries so gross loss is not mistaken for retained loss.
Staff workload belongs in the comparison
Manual evidence review, follow-up, documentation, and corrections consume time even when no physical-damage event occurs.
Sensitivity is a challenge test
The low and high views adjust modeled loss by 25% while holding staff cost constant. They are transparent scenarios, not probability statements.
Formula and methodology
Every output traces to a visible calculation.
No proprietary score or hidden multiplier determines the result. The only sensitivity factor is the displayed 75%, 100%, or 125% adjustment to modeled annual loss.
Estimated unresolved accounts
Active financed accounts × unresolved insurance-evidence rate
Receivables represented
Estimated unresolved accounts × average unpaid balance
Modeled annual events
Estimated unresolved accounts × assumed annual damage or theft event rate
Modeled annual unrecovered loss
Modeled annual events × average net unrecovered loss per event
Annual review hours
Monthly insurance-review exceptions × minutes per exception × 12 ÷ 60
Annual staff cost
Annual review hours × loaded hourly staff cost
Selected annual planning exposure
Sensitivity-adjusted modeled loss + annual staff cost
Data-gathering checklist
Replace assumptions with consistent operating history.
One practical starting option is a 12–24-month review using stable definitions. Choose the period that best reflects the decision, and note any change in servicing system, portfolio mix, underwriting, collections, insurance requirements, recovery practices, or staffing that makes one period different from another.
Portfolio
Monthly active financed accounts, unpaid balances, originations, payoffs, charge-offs, and portfolio mix.
Insurance evidence
Verified coverage, pending evidence, mismatches, expired policies, unreadable documents, and exception aging by reason.
Physical-damage events
Damage and theft event counts, dates, severity, vehicle values, total-loss treatment, and duplicate-event controls.
Recoveries
Insurance proceeds, salvage, borrower payments, repossession proceeds, subrogation, and other recoveries tied to each event.
Workflow effort
Exception volume, touches, handling time, outreach, document review, corrections, escalation, and quality-control rework.
Staff cost
Wages, payroll burden, benefits, supervision, technology, and the allocation method behind the loaded hourly rate.
Continue the decision
The scenario frames the question. The program details determine the fit.
Use the output as one input to a documented review of coverage, operations, borrower experience, state availability, total cost, claims, retained risk, and provider accountability.
Insurance tracking
Estimate the operational and loss exposure behind unresolved exceptions, then examine how evidence is matched, reviewed, and corrected.
Review the insurance-tracking workflowCPI versus VSI
Compare tracking, placement, borrower interaction, claim triggers, administration, cost, and portfolio fit.
Compare CPI and VSITotal program cost
Put coverage, services, claims, corrections, internal work, retained risk, and implementation into one like-for-like review.
Review CPI cost and pricing factorsBHPH dealer guide
Connect the scenario to dealer-held receivables, insurance verification, borrower communications, corrections, claims, and implementation.
Read the CPI guide for BHPH dealersImplementation baseline
Translate the current account, loss, and workflow measures into launch requirements, testing, reporting, and first-90-day controls.
Build the CPI implementation baselineProvider scorecard
Use 30 documented questions to compare authority, policy, tracking, claims, security, reporting, economics, and exit terms.
Use the CPI provider scorecardCalculator FAQs
Questions to resolve before using the result.
The model is designed to make assumptions debatable. The actual finance agreement, policy, provider proposal, account history, and applicable requirements control the final program decision.
What does the BHPH uninsured collateral exposure calculator measure?+
It creates a transparent scenario for accounts with unresolved physical-damage insurance evidence, the receivables those accounts represent, modeled damage or theft events, net unrecovered loss, review hours, and staff cost. It does not determine whether a specific account is uninsured.
Is every insurance-evidence exception an uninsured account?+
No. An exception can result from missing or delayed evidence, a VIN mismatch, a policy renewal, an unreadable document, missing lienholder information, or another item that requires review. Use a documented verification workflow before changing an account status.
How should I estimate net unrecovered loss per event?+
Use actual loss history when available. Begin with gross physical-damage loss, then document salvage, insurance proceeds, recoveries, borrower payments, and other amounts that reduce the loss. Keep the definition consistent across the period being analyzed.
Does the calculator estimate CPI premium or savings?+
No. The calculator models retained loss and operational workload under the selected assumptions. CPI price, coverage, account treatment, claims performance, corrections, and total program economics require actual policy, provider, contract, portfolio, and state-specific information.
How much history should a BHPH dealer use?+
Twelve to twenty-four months can provide a useful starting window when definitions and portfolio mix are reasonably consistent. Document seasonality, unusual losses, acquisitions, charge-off practices, collection changes, and any period that may distort the comparison.
How does this help compare CPI, VSI, tracking, or retained risk?+
The scenario makes the current exposure and workload assumptions visible. Use those measures as inputs to a broader comparison of risk transfer, tracking, borrower interaction, policy coverage, claims, administration, cost, state availability, and retained risk.
Primary-source foundation
Use authoritative definitions, then verify the program details.
These national sources support the general explanation of creditor-placed insurance and insurance tracking. The NAIC publication is a model act, not a statement that every jurisdiction has adopted identical requirements.
Published by Auto Capital Protection · Substantively updated July 19, 2026 · Educational scenario model · Read our editorial and citation policy
NAIC Creditor-Placed Insurance Model ActModel definitions and framework addressing insurance tracking, evidence, placement, termination, refunds, claims, and responsibilities.↗CFPB: What is force-placed insurance?Federal consumer explanation of lender-obtained coverage when required insurance is not maintained.↗
Move from the scenario to the operating decision
Request a focused conversation about the exposure assumptions.
Share the portfolio range, operating states, current insurance workflow, and the assumptions that need the most scrutiny to frame the next comparison.