Tim Byrd is founder and president of Tim Byrd & Associates Inc. located in Gloucester, Virginia. An auto industry expert on dealer-owned reinsurance companies and F&I development and a 25-plus-year veteran of the car business, Tim is a trusted advisor to many car dealers. Tim is married and has five beautiful children. Tim has been featured in Virginia Independent News, Special Finance Insider, Around the Commonwealth and Dealer Business Journal. Website: www.timbyrd.net Blog: www.timbyrd.net/blog Facebook: www.facebook.com/reinsurance101 Twitter: www.twitter.com/TimByrdRE1 LinkedIn: www.linkedin.com/pub/tim-byrd/34/3b9/56a Email: [email protected] 7488 Compromise Hill Rd. Gloucester, VA 23061 Phone: (757) 532-3938 (main contact number) Fax: (804) 693-6707