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A MESSAGE from the CEO

I launched Automotive Reinsurance Concepts to realize a vision. I wanted auto dealers everywhere to see what I could see – unique, wealth-building F&I solutions reliant on solid processes, not theory. Our clients tell us that our differences made all the difference to their business because we created ROI benefits beyond their expectations. That’s true, and we do it fast, with no-nonsense methods, crystal-clear transparency, and expertise. Experience the compelling advantages of a genuine partner in your corner – one who can provide best-in-class F&I products customized to your operation. We know that our reputation is only as strong as our client reviews. So, team dedication and innovation remain the barometers of our success. Our value to you rests in our professional ability to bring all the different pieces together – to keep your backend gross profit growing. Engage us to meet your reinsurance and F&I challenges with the right balance of collaboration for outstanding results. It’ll make your reinsurance and F&I experience memorable for all the right reasons.

I look forward to meeting you.


Our Team

We’re backed by a team of industry experts with over 85 total years of experience.


Justin M. Osburn

Chief Executive Officer

Justin was a sales manager, general manager, and co-owner of three independent dealerships, and COO for a three-point, 12 Missouri franchise operation. Justin also was a partner and jump-started three successful independent dealerships. He has been called the “King of Cars,” a title well-earned during three years of retail-consulting throughout the US for the National Independent Automotive Dealers Association. There, he specialized in high-level, operational profitability. His 17 years of car-business experience, primarily executive-level across the independent and OEM automotive industry, is the cornerstone for his sought-after ability to identify and analyze operational choke-holds in automotive clients’ financial statements. Indeed, it converges on everything surrounding Automotive Reinsurance Concept’s stellar reputation today. Justin has served in the US Army and as a director on numerous company boards. He has been elected for public offices, holds an international patent, is a dynamic public speaker and published author. He is also a paid automotive expert witness. The NIADA bestowed the honor on Justin of rewriting its Certified Master Dealer Certification curriculum.


Melanie Mills



Management of Operations and Logistics

A Park University undergraduate, Melanie is the Director of Operations and… and interesting fact…. the very first Automotive Reinsurance Concepts employee. Melanie supervises operational and logistical performance. She manages the marketing department, is charged with TPA relations, supervises administration processes and is a key-player in the ARC leadership team. Prior to joining the ARC team, Melanie was the Executive Director of a Non-Profit organization and where she served in various roles as an active local community member.


Roxanne Beck



Accounting and Financial Records

With more than 25 years of experience in accounting and record keeping, Roxanne has an exceptional understanding of such processes. She has worked with a variety of businesses ranging from a large national ranked law firm to small businesses. With exceptionally high standards and expectations of performance, accuracy and accountability, she manages our accounting department.


“3K” Cory Collins



Selling F&I Products and Overcoming Objections

Cory Collins was born into the car business. The third-generation industry leader spent 25 years in active dealership management positions, beginning at age 15. He’s renowned as an F&I guru, earning the nickname “3K Cory Collins” for running more than $3,000 per vehicle retail. He currently serves as National Sales Director for Automotive Reinsurance Concepts, the fastest-growing reinsurance and warranty company in the U.S. Cory is a student of the car business who takes pride in helping others and has a passion for learning that led to him going back to school to become the first in his family to earn an MBA, receiving that degree in Automotive Retail Management from Northwood University. His number one goal is to share what he’s learned along the way and help as many people as he can to learn from the trial-and-error experience that has helped elevate him to the top of his profession.


Jason Caley



Fixed Ops and Service Department Consulting

Jason began his automotive career in late 1994 at a successful Ford Dealership in the Kansas City market after returning home from the United States Marine Corps. In 1999, only four years into his journey, at age 23, he was promoted to Parts & Service Director and remained in that role until July 2005. That August, he was recruited to another Ford, Lincoln & Mercury store south of Kansas City and became the Fixed Operations Director of G.R. Milner Ford. In 2008, his career like many at that time, changed direction. During the economic downturn, he had to be versatile, performing other duties throughout the dealership such as Sales Manager, Finance Manager, and Administration. During this tenure, he designed, opened and operated an “off-site “ independent service center. In 2010, he became a minority Partner/Dealer in the dealership, and by the end of 2014, after the passing of Mr. Milner, G.R. Milner Ford was sold and purchased by the Max Motors Automotive Group, a place where he would stay to be the Director of Operations for the 5 rooftops they owned at the time.

In 2016, he led the expansion and the opening of a stand-alone collision center while continuing down the path as Director of Operations for Max Motors. After 25 years almost to the day, he decided to "retire from retail" at the end of 2019. Of all the successes and failures he experienced, leading hundreds of employees, a massive customer following and vendor relationships, his number one accomplishment was the average Service or Body technician tenure, under him, was 17 years. A number he is very proud of.

Caley is versed in all aspects of the automotive industry. Including banking, reinsurance, liability, human resource and normal day to day operations. In 2020 he started Caley Business Solutions, a consulting business aimed at helping businesses eliminate wasted movements and maximize their assets, reduce liability, and exposure and promote their labor power. CBS, even throughout COVID, experienced incredible success, not only with automotive dealerships but also businesses in equipment sales, service, marine business, insurance agencies and food and beverage.

He is excited for this new and final chapter of his career and appreciates all of the past achievements and struggles that have put him here today. ARC (Automotive Reinsurance Concepts) & Smart Groups are as excited to acquire his dealership experience and perspective as well as the speed of the game he brings to the already successful company.

Jason has two children, Bailey 26, and Jackson 24. Both are college graduates and played college softball and baseball. Both are married and successful in life. He is engaged to the love of his life, Anna S. He also has a very special 11 year old puppy named Anna Bell, a lab golden mix that serves as a therapy dog for sick and hurting people. In his spare time, he loves to golf, fish, bow hunt and travel the country with Anna for destination concerts.

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Lori Smith



Floor Plans, Warranty and Reinsurance

Lori Smith is a Territory Sales Manager with over 15 years of experience in the Auto Industry. She grew up in the car business and her very first job at 16 was filing service records in a dealership service department. She graduated with a degree in Public Relations and has always put it to use by building and developing professional relationships in her career. Her strong work ethic, paired with her enthusiastic personality, has allowed her to build entire territories from scratch. She has worked in dealership finance and insurance offices and has spent the last 10 years specializing in Dealer Floor Planning with Independent Auto Dealers in the Carolinas. Lori enjoys using her knowledge in the industry to help auto dealers build and grow their businesses. She lives in Charlotte, NC with her family and enjoys attending concerts, hiking, and gardening.

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Howard spearheaded

Territory Sales Representative


Sales Territory Representative

Previously, Howard spearheaded the SmartGroups program and served as the executive consultant for the 20 Groups program at Automotive Reinsurance Concepts (ARC). He is now a sales territory representative for ARC, covering the Midwest region. In this role, Howard assists automotive dealers in implementing wealth-management tools, specifically focusing on F&I products. With over 30 years of experience as an owner and general manager of both independent and franchised stores, he is well-equipped to support dealers of all types and sizes with their warranty and ancillary product needs