Protect Your Customer’s
Down Payment.
When a vehicle is totaled, your customer doesn’t just lose the car — they lose their cash. DPIC ensures they don’t.
This is what
actually kills deals.
Customers hesitate because
they’re risking their own money.
Not the payment.
Not the car.
Their cash.
The difference is simple
Without DPIC
Customer loses down payment.
Starts over at $0
Trust breaks
With DPIC
Down payment reimbursed
Customer moves forward again
The relationship stays intact
What DPIC does
Down Payment Investment Coverage™ reimburses your customer’s down payment, dollar-for-dollar, if their vehicle is declared a total loss.
Traditional products protect the loan.
DPIC protects the customer’s cash.
What this changes in your dealership
Deals don’t stall at the last minute
Customers feel protected, not pressured
You build trust at the moment that matters
How it works
1. Customer makes a down payment
2. DPIC is added at time of sale
3. Total loss occurs
4. Customer gets their down payment back
What your team says
(20 seconds)
“This protects your down payment. If anything happens to your vehicle, you don’t lose your money — you get it back to use toward your next vehicle here.”
Frequently asked questions
Who would benefit most from our coverage?
01
Limited Financial Reserves
Many Americans have minimal savings, with less than 57% having less than $1,000 in their bank accounts. These consumers often rely heavily on financing to afford a vehicle, and a sudden total loss could create a significant financial burden. YourCo’s product provides them with a crucial safety net, covering their down payment and helping them avoid an unexpected financial setback.
02
First-Time and Younger Car Buyers
First-time buyers, particularly young adults, typically have lower savings and less financial experience, making them more vulnerable in the event of a total loss. YourCo’s product reassures these buyers, helping them enter the car market with greater confidence and security around their initial investment.
03
High Loan-to-Value Ratios
Many consumers put down low or minimum down payments, creating high loan-to-value ratios that make them more financially exposed if their car is totaled. Our coverage ensures that these buyers aren’t left out-of-pocket and can more easily replace their vehicles without starting from scratch.
04
Risk-Aware Buyers Seeking Extra Security
Some consumers prioritize financial protection and are looking for added security on top of traditional insurance products. These customers value peace of mind and view YourCo’s coverage as a proactive solution that enhances their financial resilience, even in unforeseen situations.
Ready to get started?
This isn’t just about
one deal.
When customers lose their down payment, they don’t just lose money — they lose trust. And they don’t come back.
DPIC gives them a reason to return.
This isn’t another product.
It’s what removes hesitation at the exact moment deals fall apart.
© 2026 by YourCo Innovations, Inc.