PRODUCT SUMMARY
Down Payment Investment Coverage is a dealer‑offered protection product designed to help reimburse eligible down payment investment if a customer’s vehicle is declared a total loss.
COVERAGE SUMMARY
What it covers
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Eligible down payment investment
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Total loss scenarios
What is does not cover
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Physical vehicle damage
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GAP balances
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Insurance deductibles
EXAMPLE SCENARIOS
Scenario 1:
The customer makes a $4,000 down payment. The vehicle is totaled six months later. DPIC helps reimburse the protected amount according to coverage terms.
Scenario 2:
The customer finances a large upfront investment and experiences theft.
Coverage responds after total loss determination.
COMPLIANCE & STRUCTURE
Structured responsibly. Positioned clearly.
DPIC is designed with defined roles, transparent product boundaries, and licensed coverage partners to support responsible deployment.
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.
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