Using Insurance to Move More Metal

In The Car™ is a proprietary, patented program that allows consumers to purchase or lease a new vehicle with automobile insurance already embedded in the vehicle, all at no added cost.

The purchase price of the vehicle for the consumer is completely unaffected because the manufacturer pays a discounted, actuarially-sound premium directly to the carrier for a policy greater than two years.

The manufacturer’s incentive budget funds the insurance premium and every purchaser qualifies and leaves with insurance.

No dealership licensing is required and the transaction is seamless for both consumer and dealer.

The consumer is not forced to accept primary In The Car™ insurance. If they choose to insure with another carrier, our insurance becomes excess or co-insurance.

Seamless Integration with OEM Platforms

ITC_App
  • Insurance enrollment
    • Answer a few questions
    • Consent to do business online
    • ID card available immediately
  • Cards and documents stored
  • Contact Us directory
  • Dealership directory

In The Car™ uses the latest technology for an all-digital experience.

The In The Car Team

Each member of the team is committed to a better car buying experience. Our goals are to improve communications with customers, improve updates for customers on insurance policy status, simplify monthly payments and create convenient auto insurance renewals in the car.

Chairman & CEO
Rod Fox

With many years of experience in reinsurance and finance, Rod serves as the Chairman and CEO for In The Car, and is the Managing Partner of F&S Ventures, a privately-held insurance investment firm he formed in 2008 with Jim Stanard, former RenaissanceRe CEO. He is also the CEO of TigerRisk Partners, a global strategic reinsurance and capital advisory firm who works with a high-end group of insurers.

EVP & Director
Win Hotchkiss

With more than thirty years of insurance industry investing and deal-making experience on behalf of private equity, hedge fund, HNW and corporate reinsurance platforms, Win brings a unique skillset to In The Car. He has been involved in the formation of four successful insurance and investment businesses and has both invested in and served on the board of directors for eight companies.

CFO & Director
Milan Radonich

Milan Radonich is a senior financial executive with more than 30 years of experience in the insurance industry and is currently the Chief Financial Officer for F&S Ventures LLC and its subsidiaries, including TigerRisk Partners. Prior to joining F&S, Milan served as the CFO of Praetorian Financial Group, a $1.8 billion premium property/casualty insurance company subsidiary of Hannover RE and, with Rod Fox, played a key role in its sale to QBE.

EVP & Director
Mitchel May

Mitchel May has more than 30 years of experience in complex transactions, investing and operational management. He has been involved in forming and managing more than 15 successful businesses through his cooperate consulting company and brings thoroughness and organization to In The Car. Before acting as a principal investor in the In The Car venture, he was instrumental in the start-up of several healthcare businesses, sports publications and novelty items.

Chief Innovation Officer
JP Miller, Jr.

As CEO and Dealer Principal of Paul Miller Ford and Paul Miller Motor Company, JP brings a wealth of automobile industry knowledge to In The Car. JP has a passion for the connected car and the connected customer, guiding the team with his prowess in negotiation, operations management, sales and workforce management.

Insurance Programs

Products fit various stages of the automobile lifecycle, provides free insurance to purchasers of new-model vehicles.

Free to Customer

With the ability to package car insurance with the price of the vehicle, the insurance comes at no cost to the customer.

USPTO Patent

In The Car’s six USPTO patents ensure its automobile programs are not replicable and have no competition.

Tailored to Your Needs

In the Car™ can be tailored to meet the manufacturer’s specific needs by model, state, region or dealer.

Seamless Integrations that Fit Your Programs

In The Car’s mobile applications provide a simple way for employees to use coverage on the go.

Decades of Experience

Each founder of In The Car™ brings decades of experience in automobile insurance, automobile sales, start-ups, insurance regulation and intellectual property to the team.

Illustrative Economics

Vehicles with In The Car™

1,000,000

Vehicle Uplift

130,435

Revenues from Uplift

4,434,790,000

Premium Subsidy for In The Car™

-1,833,000,000
15
Sales Uplift from In The Car™

ITC’S Benefits for You

Features
  • Designed to Move More Metal

  • Automobile More the Center of the Consumer Experience

  • Competition Unable to Match

  • Particularly Suited to Younger and First-Time Buyers

  • Insurance Incentive $ is Better Spent Than Cash

Unstoppable and Worry Free
Enhanced Customer Experience
Improved Dealer Margins

ITC’S Benefits for You

Get More with Other ITC’s Incentive Programs

In The Car arranges a multi-year, full-coverage automobile policy that matches the term of the loan or lease of new or used automobiles (certified, pre-owned or otherwise).

Consumers can purchase or lease a vehicle with insurance costs significantly lower than the traditional channels—In The Car facilitates providing a substantially discounted, individually underwritten In The Car rate.

The program seamlessly finances a pre-paid, full-coverage automobile insurance policy on specific car models, overcoming a barrier to the sales process.

The owner or lessee’s insurance allows them to drive off the lot.

Licensed agents market the program online and over the telephone.

There’s a greater value for incentive dollars.

The consumer benefits from one convenient monthly bill, combining their loan or lease payment and insurance

LIFE OF THE LOAN/LEASE™ is patent protected.

Get More with Other In The Car™ Incentive Programs

In The Car arranges a multi-year, full-coverage automobile policy that matches the term of the loan or lease of new or used automobiles (certified, pre-owned or otherwise).

Consumers can purchase or lease a vehicle with insurance costs significantly lower than the traditional channels—In The Car facilitates providing a substantially discounted, individually underwritten In The Car rate.

The program seamlessly finances a pre-paid, full-coverage automobile insurance policy on specific car models, overcoming a barrier to the sales process.

The owner or lessee’s insurance allows them to drive off the lot.

Licensed agents market the program online and over the telephone.

There’s a greater value for incentive dollars.

The consumer benefits from one convenient monthly bill, combining their loan or lease payment and insurance

LIFE OF THE LOAN/LEASE™ is patent protected.

Get in Touch

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