Built around the risk dealers actually carry
We begin with uninsured collateral exposure, insurance affordability, proof chasing, cancellations, total losses, servicing workload, and the dealer-held receivable—not a generic insurance pitch.
CPI resources built around dealer-held receivables, insurance tracking, claims, and account corrections.Explore CPI for BHPH dealers
Dealer-focused CPI education and decision tools
Why Consider Auto Capital Protection for CPI Research
ACP publishes CPI education and evaluation tools built around dealer-held receivables, evidence matching, borrower communication, claims, corrections, implementation questions, and like-for-like program review.
Use the public framework now. Verify company-specific roles, terms, and capabilities before relying on them.
The buyer’s real question
What should you evaluate when considering ACP?
Start with the public collateral protection insurance guide, the documented buyer questions, and the evidence behind every company-specific statement. Education can organize the decision; controlling documents must prove the role, scope, terms, and availability.
Compare the complete program—not one headline rate
The evaluation framework maps coverage, services, internal work, responsibilities, fees, retained risk, and contract terms so claimed cost differences can be tested like for like.
Verify the claim before relying on it
Material statements about roles, providers, availability, costs, service, security, or outcomes should point to current evidence and a named review owner.
A simpler path to CPI profit participation
Eligible dealers can share in positive net CPI program results without forming or managing a separate dealer-owned reinsurance company.
Questions shaped around the operation
A small BHPH dealer, a multilocation operation, and an independent finance company do not need the same workflow. Compare the facts before prescribing a structure.
Additional categories require their own proof
Tracking, VSI, GAP, warranty, service-contract, technology, and other categories should be evaluated against documented provider, role, state, contract, and availability evidence.
Four decision lenses
Protect. Document. Verify. Compare.
Each conclusion should be visible in the evidence—not hidden behind a marketing label.
Map the collateral risk
Use the CPI guides to connect missing required physical-damage insurance with the creditor’s interest and the conditions for permitted placement.
Make the workflow visible
Trace evidence review and borrower communication through placement, corrections, claims support, reporting, and ownership.
Confirm every material claim
Require current support for role, authority, state scope, provider, service, security, pricing, and performance statements.
Normalize the alternatives
Compare policy, workflow, total economics, participation terms, retained risk, and exit conditions on the same basis.
Transparent roles build trust
Know who owns each part of the CPI program.
Exact roles depend on the final approved program. A documented CPI implementation plan should identify the parties and responsibilities before launch rather than implying that one company performs every regulated or administrative function.
Evaluation owner
Names the business question, evidence needed, reviewers, unresolved issues, and decision record.
Insurance parties
Identifies the carrier, licensed producer, policy, rates, forms, underwriting authority, and regulated functions as applicable.
Administrator and technology
Documents tracking, notices, intake, account status, reporting, reconciliation, and other contracted services.
Dealer or lender
Owns contract requirements, borrower relationship, accurate data, internal controls, servicing actions, and vendor oversight.
An honest cost comparison
Compare the total program—not one headline rate.
Use the all-in CPI cost guide to compare coverage, administration, the CPI claims process, insurance tracking, cancellations, refunds, technology, dealer profit participation, and exit terms.
Program and setup costs
What is charged initially, monthly, per account, per placement, or through other program economics?
Administrative work
Who tracks coverage, contacts borrowers, reviews proof, corrects accounts, and reconciles refunds?
Claims and coverage
What does the actual policy cover, who is insured, what triggers a claim, and who makes the decision?
Participation economics
How are positive net results calculated, reserved, reported, timed, and distributed—if earned?
Dealer control and access
Who can answer a hard question, approve an escalation, or resolve a breakdown in the workflow?
A practical next step
Put your current CPI program beside the evaluation framework.
Use the workflow, role, cost, participation, implementation, and evidence questions to request a focused CPI conversation.