How to Evaluate a Dealer Reinsurance Program and Avoid Costly Mistakes

The reinsurance B account is one of the most powerful and misunderstood tools in dealer reinsurance. Once funds move beyond required reserves, dealers gain new opportunities to influence investment performance, liquidity, and long-term wealth. The question is not whether you have a B account. The question is whether it is working as hard as it should.

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.