What Dealers Resource Center does

Dealers Resource Center (DRC), operating under Pessada Holdings LLC, is a privately held vehicle protection and F&I solutions provider for U.S. automotive dealerships. Founded in 1996 and family-operated across three generations of the Kalamitsiotis family (whose automotive involvement dates to 1978), DRC offers an extended service contract and ancillary protection portfolio distributed through a territory-based field sales network covering 45 states. The company is headquartered in the St. Louis metro area (Chesterfield mailing address, Wildwood HQ) with a Client Support Center in Osage Beach, Missouri and an East Coast Regional District Office in West Palm Beach, Florida.

DRC's product portfolio is anchored by extended service contract brands — Consumer Breakdown Protection (CBP), Basic Car Care, Manufacturer's Certified Pre-Owned (MCPO), and Basic Forever Care — and complemented by an extensive ancillary lineup including Guaranteed Asset Protection (GAP), Tire & Wheel, Windshield, Battery, Key, Theft, Catalytic Converter, and modern ADAS-related coverages (camera, sensor, and screen protection). The operational backbone is an online claims portal that integrates with any DMS, menu provider, or service drive system and delivers automatic adjuster assignment, claims adjudication beginning within five minutes during business hours, sub-30-second hold times, and same-day credit card payments within 30 minutes — substantially faster than the industry-standard 24–48 hour payment window. DRC also operates a Business Solutions suite encompassing F&I and dealership compliance, recruiting, HR, IT integration, administrative services, acquisition/divesting advisory, management consulting, and a goodwill/exception fund that covers repair costs when coverage does not meet customer expectations.

Revenue is generated primarily through recurring premiums on multi-year service contracts, transaction-based fees on ancillary products, and professional services fees on the Business Solutions portfolio. Distribution combines field agents calling on dealerships directly, dealer association partnerships (notably HADA), and self-serve claims submission through the repair-facility portal. The customer base spans automotive dealerships (new, pre-owned, CPO), independent agents and general agents distributing DRC products, authorized repair facilities, and end-consumer contract holders across 45 states.

Name

Dealers Resource Center

Legal name

Pessada Holdings LLC

Website

https://dealersresourcecenter.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Dealers Resource Center is a family-owned provider of extended vehicle service contracts and F&I products for U.S. automotive dealerships, distributed through a 45-state field sales network and an online claims portal with same-day payment.

Ownership category

akta.pro rank

Product category

Vehicle Service Contracts & F&I Products

NAICS

Automotive Parts, Accessories, and Tire Retailers (4413)

SIC

Retail-Auto Dealers & Gasoline Stations (5500)

akta.pro primary industry

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

akta.pro secondary industries

Auto Ancillary Warranties (Tire & Wheel, Paintless Dent, Key/Remote, Windshield) (FSAJALAB), GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Vehicle service contracts
• Extended auto warranties
• F&I protection products
• Dealership business solutions
• Vehicle protection products

Headquarters

HQ city

Chesterfield

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Vehicle Service Contracts: Extended service contracts and vehicle protection products sold to dealerships and consumers through dealer F&I departments and agents. Revenue generated from premiums paid by vehicle owners for coverage including Consumer Breakdown Protection, Basic Car Care, and Manufacturer's CPO products.
2. Business Solutions Services: HR, recruiting, IT, management consulting, compliance training, and administrative services offered to dealerships for additional revenue stream
3. F&I Products Portfolio: Various ancillary products including Guaranteed Asset Protection (GAP), theft protection, key protection, tire & wheel protection, windshield protection, appearance protection, battery protection, catalytic converter protection, and window tint sold through dealerships

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Dealers Resource Center administers and distributes extended vehicle service contracts and ancillary F&I protection products (Consumer Breakdown Protection, Basic Car Care, MCPO, Basic Forever Care, GAP, Tire & Wheel, Windshield, Key, Theft, Battery, Headlight, Camera/Sensor/Screen, Appearance, Window Tint, Catalytic Converter, Paintless Dent Repair, Total Vehicle Protection bundle) to automotive dealerships and independent agents across 45 U.S. states. The company pairs these products with a Business Solutions suite (compliance, recruiting, administrative, acquisition/divesting, Management By Strengths, DMS integration) and a proprietary online claims portal with same-day credit card payment to repair facilities.

Product overview

Dealers Resource Center is a vehicle protection and F&I solutions provider for automotive dealerships, offering a comprehensive platform combining extended service contracts with business support services. The core product portfolio includes Consumer Breakdown Protection (CBP), Basic Car Care, Manufacturer's CPO coverage, and Total Vehicle Protection bundles. Add-on modules cover GAP, Key Protection, Theft Protection, Windshield Protection, Tire & Wheel Protection, Appearance Protection, Battery Protection, Headlight Protection, Camera/Sensor/Screen Protection, Window Tint Protection, and Catalytic Converter Protection. The company also offers a Business Solutions suite encompassing Online Claims Processing, Same Day Credit Card Payments, Dealership Compliance, F&I Compliance, Recruiting Services, Integration Solutions, Administrative Services, Acquisition and Divesting support, and Management By Strengths consulting. All service contracts include bundled roadside assistance and car rental reimbursement.

Differentiator

Problem solved

Functional benefit

Brands

• Consumer Breakdown Protection (CBP): Extended service contract offering generous eligibility terms up to 72 Months/72,000 Miles on vehicles up to 156,000 miles on EXCLUSIONARY coverage
• Basic Car Care
• Basic Forever Care
• Total Vehicle Protection
• DRC Business Solutions
• GAP (Guaranteed Asset Protection)

Products and services

• DRC Vehicle Service Contracts Extended service contracts providing vehicle protection coverage for automotive dealerships, designed to increase F&I profits and customer satisfaction. Distributed through dealer F&I departments and a coast-to-coast agent network.
• Consumer Breakdown Protection (CBP) Extended warranty offering generous eligibility terms up to 72 Months/72,000 Miles on vehicles up to 156,000 miles with EXCLUSIONARY coverage, sold through dealerships.
• Basic Car Care Vehicle service contract offering 3 year/100,000 eligibility on vehicles up to 225,000 miles for pre-owned vehicle coverage sold through dealerships.
• Manufacturer's Certified Pre-Owned (MCPO) Extended warranty coverage program for Manufacturer's Certified Pre-Owned vehicles with competitive extended terms, distributed via dealerships.
• Basic Forever Care Coverage for Certified Pre-Owned vehicles providing ongoing protection beyond manufacturer warranty.
• Total Vehicle Protection Comprehensive vehicle protection bundle including battery, windshield, headlight, camera, sensor, screen protection, appearance protection, and window tint protection.
• Guaranteed Asset Protection (GAP) Coverage that pays the difference between what a customer owes on their vehicle and its actual cash value in case of total loss.
• Tire & Wheel Protection Coverage for tire and wheel damage including road hazards.
• Windshield Protection Coverage for windshield damage and replacement services.
• Key Protection Coverage for key replacement including transponder keys and key fobs.
• Theft Protection Coverage and protection services related to vehicle theft.
• Battery Protection Coverage for battery replacement and related electrical system issues.
• Headlight Protection Coverage for headlight damage and replacement.
• Camera, Sensor and Screen Protection Coverage for advanced driver assistance systems including cameras, sensors and digital screens.
• Appearance Protection Paint protection and cosmetic coverage for vehicle exterior surfaces.
• Window Tint Protection Coverage for window tint film damage and replacement.
• Catalytic Converter Protection Coverage for catalytic converter damage and replacement.
• Paintless Dent Repair (PDR) Dent removal service coverage using paintless repair methods.
• Service Payment Plan (SPP) Payment arrangement providing immediate funding to dealerships on all products for approved claims.
• DRC Business Solutions Suite of business support services for dealerships including HR, recruiting, IT solutions, F&I compliance, dealership compliance, administrative services, acquisition and divesting advisory, Management By Strengths consulting, and integrations.
• Dealership Compliance Services Automotive dealership compliance support and training ensuring adherence to federal, state and local laws plus industry regulations.
• F&I Compliance Services Finance & Insurance compliance services for dealerships covering regulations affecting buying, selling, financing, and advertising.
• Dealership Recruiting Services Comprehensive recruiting process for automotive dealership positions including advertising, screening interviews, background checks and candidate presentation.
• Acquisition and Divesting Advisory Dealership acquisition and divesting support services for dealers looking to buy or sell automotive businesses.
• Management By Strengths Personality assessment and management consulting for dealership personnel staffing and development.
• Roadside Assistance 24-hour worldwide roadside assistance included with all service contracts covering towing, flat tire, oil/fluid delivery, battery assistance, and lock-out assistance.
• Car Rental Reimbursement Rental vehicle reimbursement for vehicles with authorized claims, included with all service contracts.
• Goodwill / Exception Fund Exception fund that covers repair costs when coverage does not meet customer expectations, protecting dealership reputation.

Quantifiable outcome

• Authorized claims paid within 30 minutes (vs industry standard 24-48 hours)
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Houston Automobile Dealers Association (HADA)coreGTM or Marketing PartnerDRC is partnering with HADA to attend events and sponsor opportunities throughout the year. HADA is a non-profit corporation serving Houston's automotive industry with nearly 300 member dealers. The partnership provides DRC access to dealer networks and educational opportunities.
• Authorized Repair Facility NetworkcoreImplementation/ SI/ Consulting PartnerNetwork of licensed repair facilities across the United States that perform covered repairs under DRC service contracts. Repair facilities submit claims through DRC's online portal and receive same-day credit card payments within 30 minutes of authorized claims.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Dealer Tire: Provider of tire & wheel protection, replacement tire programs, and related F&I products to franchised auto dealers. Adjacent rather than head-to-head with DRC, but competes in the same dealership F&I channel and was named as a previous employer of DRC's Director of Business Development.

Broad incumbents

• Assurant: Publicly traded provider of vehicle protection plans and F&I products through the Global Lifestyle segment. Competes with DRC across extended service contracts, GAP, tire & wheel, and other ancillaries at scale across thousands of US dealerships.
• Zurich North America (Dealer Products): Major insurer with a vehicle protection and F&I product division serving franchised dealer networks across the US. Competes with DRC in GAP, service contracts, and dealer reinsurance arrangements.
• Allstate Protection Plans: Allstate's vehicle protection division offering extended service contracts, GAP, and tire & wheel coverage through dealer networks nationally. Significant brand and balance-sheet advantages versus DRC, with overlapping dealer F&I product portfolio.

Direct peers

• Safe-Guard Products International: Administrator of F&I products including extended service contracts, GAP, tire & wheel, and key protection sold through auto dealer partners in the US. Closely comparable in target market and product portfolio to DRC.
• EasyCare: Direct competitor administering extended service contracts, GAP, tire & wheel, and key protection products through dealer F&I channels. Operates a similar agent-driven distribution model and overlapping product suite, making it one of the closest head-to-head competitors for DRC.
• RoadVantage: Specialty administrator of vehicle service contracts, GAP, and ancillary F&I products for auto dealerships. Targets a similar middle-market dealer segment and competes directly on product eligibility and agent relationships.
• American Guardian Warranty Services (AGWS): Independent administrator of F&I products including extended service contracts, GAP, and ancillary protections sold through US dealerships. Closely comparable to DRC in size, agent-driven model, and product mix targeting independent and franchise dealers.
• Universal Warranty Corporation: Third-party administrator of vehicle service contracts and F&I products distributed through dealer networks. Competes head-to-head with DRC on extended warranty eligibility terms and ancillary product breadth.
• Empower Dealer Group: Provider of F&I products and reinsurance solutions to automotive dealers including extended service contracts and ancillary coverages. Direct competitor in the dealer-sold service contract space with overlapping distribution approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC987-6pOnO94wv-naFI3dgQ
• Facebookfacebook.com/DealersResourceCenter
• LinkedInlinkedin.com/company/dealers-resource

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dealers Resource Center