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.
Eligible dealers can participate in positive net CPI program results without starting a separate reinsurance company.See how CPI participation works
Fewer layers. Direct decisions. Dealer-focused CPI.
Why Dealers and Auto Lenders Choose Auto Capital Protection
ACP combines a lower-layer program structure, direct access to the people making decisions, practical CPI administration, and a path for eligible dealers to participate in positive program results.
No blanket promises. We compare the actual structure, roles, costs, and workflow.
The buyer’s real question
Why should your portfolio choose ACP for CPI?
Because the program should solve more than the moment coverage is placed. It should reduce administrative friction, protect the collateral, support accurate corrections, and give dealers a clearer economic path.
Compare the complete program—not one headline rate
ACP’s connected program structure is designed to remove unnecessary layers and help dealers compare the complete all-in cost. Actual cost depends on the portfolio, state, coverage, services, responsibilities, and agreement.
Work with the people who can make decisions
Dealers work directly with ACP principals during program evaluation and defined escalation points. You do not have to pass every important question through layers of sales representatives.
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.
Programs shaped around the dealership
A small BHPH dealer, a multilocation operation, and an independent finance company do not need the same workflow. We evaluate fit before prescribing structure.
Additional protection when it solves a problem
CPI remains the center. Approved tracking, VSI, GAP, warranty, service-contract, and other protection options can support the broader portfolio strategy.
The four-part ACP advantage
Protect. Simplify. Decide. Participate.
Each advantage must be visible in the program—not hidden behind a marketing label.
Protect financed collateral
Use a documented CPI workflow to address missing required physical-damage insurance and protect the creditor’s interest when placement is permitted.
Reduce unnecessary operational layers
Create a clear path from evidence review and borrower communication through placement, corrections, claims support, and reporting.
Talk directly with ACP principals
Bring important program questions and defined escalations to ACP decision-makers instead of navigating a chain of sales handoffs.
Share positive net program results
Eligible dealers may participate contractually without creating a separate dealer-owned reinsurance company. Results are not guaranteed.
Transparent roles build trust
Know who owns each part of the CPI program.
Exact roles depend on the final approved program. ACP will identify the parties and responsibilities before implementation rather than implying that one company performs every regulated or administrative function.
Auto Capital Protection
Dealer relationship, program evaluation, coordination, education, and defined escalation access.
Approved insurance parties
Carrier, licensed producer, policy, rates, forms, underwriting authority, and regulated insurance functions as applicable.
Administrator and technology
Tracking, notices, document intake, account status, reporting, reconciliation, and other contracted services.
Dealer or lender
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.
Lower cost is useful only when the comparison includes coverage, administration, claims, tracking, cancellations, refunds, technology, 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 ACP model.
We’ll compare the workflow, roles, program costs, participation path, and implementation questions using non-sensitive portfolio ranges—not sales slogans.