How to Evaluate a Dealer Reinsurance Program and Avoid Costly Mistakes

Most dealer reinsurance programs are never truly evaluated after setup. This practical scorecard helps you rate transparency, control, reporting, product performance, partner involvement, and review discipline so you can identify hidden gaps, ask better questions, and decide whether your structure is really working for you.

Dealer reinsurance can be a powerful long-term strategy, but only when it is understood and managed correctly. This guide explains how car dealer reinsurance works, compares common structures, breaks down hidden fee loads, and outlines volume and risk considerations across automotive, powersports, and RV dealerships. Written to be educational, transparent, and agnostic.

Most dealer reinsurance programs underperform not because of structure, but because reinsurance is insurance finance, not commission income. This article explains how execution, reserves, admin fees, and continuous training directly impact long-term reinsurance performance.