Your dealership has evolved
Growth, acquisitions, inventory changes, and a different customer mix can create new requirements for the program and the company supporting it.
F&I has evolved. A familiar program deserves a fresh look at what the store earns, what reinsurance delivers, and what each costs.
Mark the areas supported by clear reports and verifiable figures. Bring unresolved questions into your review; identify anything that does not apply.
We use the numbers to determine what is working, what can improve, and which options fit your goals.
Discuss your program →0 of 6 areas verified. Identify the information needed for your review.
Your selections stay in this browser. Compare the same periods and calculation methods; written premium, earned premium, paid claims, and incurred claims are different measures.
Transparency goes beyond a fee schedule. Program-related commissions, referral payments, incentives, and arrangements involving dealership personnel should be clearly disclosed to ownership. Owners should understand who receives compensation, who funds it, and whether the arrangement creates a competing incentive.
We believe arrangements involving dealership employees should be disclosed to and approved by ownership. As part of a complete review, request a written explanation of compensation arrangements from the companies and people supporting your program.
Growth, acquisitions, inventory changes, and a different customer mix can create new requirements for the program and the company supporting it.
Current income, expansion, long-term wealth, and succession call for different priorities. The relationship should reflect yours.
Who receives commissions, referral fees, incentives, or other payments connected to your program? Ownership should understand who benefits, how payments are funded, and whether they influence recommendations.
Evaluate coverage, pricing, eligibility, and service across available options instead of relying on a familiar product mix.
Review income per deal, product penetration, cancellations, financing options, and post-sale opportunities against your store’s needs.
Regular loss-ratio and reserve reviews help put underwriting performance and investment results in context.
Understand your decision-making authority, options for change, and the consequences of ending or modifying the relationship.
Review reserve requirements, distribution rules, and liquidity before relying on program funds for growth or other uses.
Claims handling, support, and issue resolution should reinforce the standards you expect your customers to experience.
A future sale, ownership transition, or generational transfer should be considered in both program structure and ongoing planning.
Start with a conversation about your store, your reinsurance, and your goals.