Modives and Auto Master Systems Partner to Modernize Insurance Verification for BHPH Dealers with CheckMy Driver Integration
In a significant move poised to transform insurance verification and compliance in the Buy Here, Pay Here (BHPH) auto dealership market, Modives, a technology company specializing in risk management and insurance verification solutions, has announced a strategic integration with Auto Master Systems (AMS), a leading provider of dealership management software for the BHPH industry. This collaboration brings Modives’ flagship product, CheckMy Driver, to AMS’s expansive dealer platform—offering an advanced, real-time insurance monitoring solution designed to improve operational efficiency, reduce risk exposure, and drive compliance for independent auto dealers.
The joint initiative aims to replace outdated and inefficient processes with a fully automated, data-driven approach that keeps dealers continuously informed about the insurance status of vehicles on the road. By embedding CheckMy Verification Driver directly into the AMS software ecosystem, dealerships gain unprecedented visibility into customers’ insurance coverage status—minimizing risk and maximizing control over their portfolios.
Bridging the Compliance Gap in a High-Risk Market
The BHPH segment of the automotive industry presents unique challenges for dealers, particularly around managing risk for financed vehicles. Verification Unlike traditional franchised dealerships, BHPH dealers provide in-house financing, often to customers with limited or poor credit histories. This financing model places significant emphasis on maintaining active insurance coverage, as it directly impacts the dealer’s ability to recover costs in the event of an accident or vehicle loss.
Historically, tracking and verifying customers’ insurance coverage has been a cumbersome and manual process, often relying on delayed Verification notifications, paper-based updates, static databases, or third-party intermediaries. These legacy methods are not only time-consuming but leave dealers exposed to lapses in coverage that could jeopardize their financial interests.
CheckMy Driver eliminates these limitations by offering consumer-permissioned, real-time access to insurance policy data. This means that instead of waiting for days or even weeks to confirm whether a customer’s insurance is active and sufficient, dealers can now receive live updates directly from the customer’s insurance provider. The platform not only verifies current coverage status but also ensures that the policy meets the dealership’s specific requirements—such as adequate liability limits or collision coverage.
Proactive Alerts and Automated Risk Mitigation
One of the defining features of Check Verification My Driver is its ability to automatically notify dealers when a customer’s policy is canceled, lapsed, or no longer compliant with dealership standards. These real-time alerts empower dealers to take immediate and informed action to protect their assets.
If a customer fails to restore compliant insurance coverage following notification, Verification the dealership can respond using a variety of risk mitigation tools integrated within the AMS platform. These may include:
- Placing collateral protection insurance (CPI) to ensure the vehicle remains insured under a dealer-purchased policy.
- Disabling the vehicle remotely using telematics or starter-interrupt systems where permitted.
- Initiating repossession procedures as a last resort to recover the asset before its value deteriorates further.
This proactive workflow not only reduces financial risk but also creates accountability by engaging customers at the earliest signs of non-compliance. The CheckMy Driver solution enhances dealer responsiveness while reducing the administrative burden typically associated with insurance tracking.
Leadership Perspectives on the Partnership
The integration of CheckMy Driver into AMS’s dealership management system marks a pivotal advancement in risk technology for the BHPH industry. Frederick Waite, CEO of Modives, emphasized the strategic value of the partnership, stating:
“Buy Here, Pay Here dealerships operate in a high-risk environment, and ensuring continuous insurance coverage is a key aspect of protecting their assets. AMS’s strong reputation in the industry and deep understanding of dealer needs make them an ideal partner for CheckMy Driver. Our technology not only removes friction but also delivers measurable business impact by improving compliance, reducing risk, and minimizing manual workloads.”
Waite’s comments underscore Modives’ broader vision of modernizing how vehicle-related risks are managed by embedding real-time intelligence into the dealer’s decision-making process. With CheckMy Driver, dealers gain a digital toolset that supports both operational efficiency and legal compliance.
Mike Downey, President of Auto Master Systems, echoed this sentiment, highlighting how the integration aligns with AMS’s long-standing commitment to dealer innovation:
“We are always listening to our customers and looking for innovative ways to streamline dealership operations. CheckMy Driver represents a major step forward, eliminating the hassle of tracking insurance coverage while ensuring dealers stay protected. By reducing administrative burden and providing real-time visibility into customers’ insurance status, we’re delivering a hassle-free solution that helps dealerships operate more efficiently.”
Expanding Value for a Broad Dealer Network
AMS currently serves over 400 dealerships across the United States, ranging from small independent lots to some of the most prominent BHPH operations in the country. With this integration, AMS is enhancing the value of its platform by providing access to best-in-class tools that address mission-critical needs such as risk management, compliance, and customer accountability.
CheckMy Driver seamlessly fits into the AMS platform, complementing its suite of software services that include loan servicing, inventory management, collections, accounting, and customer communications. By offering a unified, real-time insurance solution embedded within a dealer’s day-to-day workflow, AMS and Modives together are raising the standard for what modern dealership management should look like in the BHPH sector.
The partnership reflects both companies’ forward-looking approach and dedication to leveraging technology to solve entrenched operational pain points. For Modives, the collaboration extends its reach into a market that is both risk-sensitive and ripe for innovation. For AMS, it reaffirms its position as a technology leader in the independent auto finance space—committed to delivering high-impact tools that create real results for its customers.
A New Era of Insurance Compliance for Dealers
With increasingly stringent regulatory expectations and greater consumer scrutiny, the ability for dealers to prove and maintain insurance compliance is more important than ever. CheckMy Driver not only provides proof of compliance through automated documentation and data access but also protects dealers from potential legal and financial liabilities associated with uninsured drivers.
This transformation—away from reactive, manual tracking to proactive, intelligent monitoring—reflects the broader digital evolution underway in the auto retail and finance ecosystem. Modives and AMS are at the forefront of this shift, providing BHPH dealers with the tools they need to operate more safely, efficiently, and competitively.
As more dealers adopt digital solutions to navigate the challenges of risk management and customer compliance, integrations like CheckMy Driver within the AMS platform are likely to become standard practice—redefining what it means to manage a modern, profitable BHPH dealership.
Auto Master Systems (AMS) has been a trusted name in the Buy Here, Pay Here (BHPH) industry for decades, renowned for its commitment to providing high-quality software solutions tailored to the unique needs of independent dealerships. Serving a network of over 400 dealerships, AMS is dedicated to empowering its partners with cutting-edge tools that simplify operations, enhance compliance, and improve risk mitigation.
AMS provides a full suite of products for both independent, BHPH, LHPH, and Indirect and direct finance companies across North America. With a strong focus on innovation and customer-driven solutions, AMS continues to evolve its platform to address the ever-changing challenges faced by the industry. By collaborating with best-in-class providers, AMS delivers value-added services that streamline dealership workflows and reduce administrative burdens.
