CPI resources built around dealer-held receivables, insurance tracking, claims, and account corrections.Explore CPI for BHPH dealers
Auto Capital Protection
Call ACP(832) 389-2948Start Your CPI Review

A documented comparison—not a provider ranking

CPI Provider Evaluation Scorecard

Use 30 questions to compare program authority, policy documents, insurance tracking, borrower notices, placements, account corrections and refunds, CPI claims, data security, reporting, implementation, total economics, and exit terms.

Start the Scorecard Read the Provider Guide

Free to use · No provider ranking · No data submitted · Updated July 17, 2026

Auto-finance operations professional reviewing insurance evidence and program documentation
30 due-diligence questionsScore the quality of the documentation and accountability behind the proposal—not the presentation alone.

How scoring works

Reward documented answers. Treat missing essentials as red flags.

The total helps organize a cross-functional review. Pair it with the guide on how to choose a CPI provider, a like-for-like review of total CPI program cost, and a documented CPI implementation plan. The score does not predict regulatory compliance, service quality, claims outcomes, savings, or profitability, and it does not replace review of the actual policy, contracts, authority, and applicable law.

0 / UNANSWERED

No documentary response

The question is avoided or the response cannot be tied to a controlling document, accountable party, or verifiable evidence.

1 / PARTIAL

Important details remain open

The answer is verbal or incomplete, or responsibilities, timing, evidence, exceptions, and escalation are not clear.

2 / DOCUMENTED

The answer can be verified

The response identifies the controlling material, accountable party, timing, evidence, exceptions, and escalation where applicable.

Interactive worksheet

Score all 30 questions.

Complete the scorecard with operations, servicing, risk, compliance, claims, accounting, information security, procurement, and qualified legal or insurance reviewers as appropriate.

Current score0 / 60
Questions scored0 / 30

Your selections stay in this browser page and are not submitted to Auto Capital Protection.

01

Identity, authority, and roles

1What exact legal entities participate, and what role does each perform?
2In which states is the proposed program available, and what licenses, appointments, filings, or other authority support each role?
3Which statements, documents, portals, and contacts can you use to verify those facts independently?
02

Controlling documents and coverage

4Which policy, certificate, endorsements, finance-agreement provisions, and service agreements control?
5What property, perils, limits, deductibles, valuation methods, exclusions, effective dates, and termination events apply?
6How does the provider prevent training, proposals, and marketing summaries from conflicting with controlling documents?
03

Insurance evidence and tracking

7What evidence channels, file formats, data fields, and matching rules are supported?
8How are unreadable, incomplete, conflicting, expired, or unmatched proofs queued and resolved?
9What measures report evidence receipt, match quality, exception age, rework, and escalation?
04

Borrower notices and experience

10Who owns each borrower communication, and what triggers, timing, channels, languages, and accessibility standards apply?
11How can a borrower submit proof, ask a question, dispute a placement, or escalate a problem?
12How are notice production, delivery evidence, returned mail, consent, complaints, and call outcomes retained?
05

Placement and corrections

13What business rules authorize placement, effective date, charge calculation, and account posting?
14What pre-placement checks and exception holds prevent duplicate, unsupported, or mistimed placements?
15When new evidence arrives, who corrects coverage and the account, by when, and with what audit evidence?
06

Cancellations, credits, and refunds

16What events cause cancellation or adjustment, and how is the effective date determined?
17How are unearned amounts calculated, reconciled, posted, refunded, and communicated?
18What aging, exception, reconciliation, and complaint reports reveal delayed or incorrect corrections?
07

Claims and loss handling

19Who receives first notice of loss, and what documents and timing are required?
20How are repairable losses, total losses, theft, valuation, deductibles, exclusions, disputes, and payment handled?
21Which claim service levels, quality checks, escalation routes, and outcome reports are documented?
08

Data security and vendor oversight

22What borrower or account data is required, why is each field necessary, and how is collection minimized?
23What controls cover access, encryption, retention, deletion, subcontractors, incidents, business continuity, and testing?
24What audit reports, assessments, contract rights, incident notices, and remediation evidence support ongoing oversight?
09

Implementation, reporting, and exit

25What is the RACI, timeline, data specification, test plan, training plan, cutover standard, and first-90-day review?
26Which operational, financial, claim, complaint, security, and service-level reports are delivered, how often, and to whom?
27At termination, how are active coverage, open claims, corrections, notices, data return or destruction, and transition assistance handled?
10

Total economics and participation

28What is the complete cost model, including premium or charges, fees, internal labor, integrations, reserves, retained risk, and transition or exit cost?
29If participation or reinsurance is discussed, what agreement, eligibility, risk, expenses, reserves, accounting, tax, timing, governance, and termination terms control?
30Which outcomes are guaranteed, which are estimates, which vary, and what evidence supports every comparative or performance claim?

Automatic red flags

A high total does not cure a missing foundation.

Pause the evaluation when a critical role, document, authority, control, or exit responsibility cannot be verified.

  • The legal entities and each party's role cannot be documented.
  • Authority and state availability cannot be verified.
  • The controlling policy, endorsements, and agreements are unavailable for review.
  • Data-security and incident-response responsibilities are unclear.
  • Cancellation, credit, refund, and reconciliation rules are not documented.
  • Complaint, claim, dispute, and escalation ownership is undefined.
  • Termination, data return, data destruction, and transition assistance are missing.

Primary-source foundation

Use the scorecard to ask questions—then verify the controlling answer.

These national sources help frame general diligence. They do not establish ACP-specific terms or resolve state-, policy-, contract-, or fact-specific questions.

Publisher: Auto Capital Protection. Last substantive update: July 17, 2026. Insurance, consumer-finance, legal, tax, accounting, and security questions should be reviewed by appropriately qualified professionals.

A practical next step

Turn the open questions into a focused CPI review.

Start with the organization type, primary state, account range, current approach, and the operational problem. Do not send borrower names, Social Security numbers, dates of birth, contact details, account numbers, VINs, policy or claim records, credit data, or payment information.

Start Your CPI Review See Why Dealers Choose ACP