Income Development
Products, processes, and performance coaching designed to uncover missed opportunity and grow income per retail unit.
Explore solutionsIncome Development • Dealer Wealth
Profit Beyond
the Ordinary.
Custom F&I programs, income-development strategies, and participation structures designed to grow today's performance and tomorrow's dealership wealth.
Serving Automotive, Powersports, Marine & RV Dealers Since 2000
Your dealership. Your goals. Your program.
Built around the way
you do business.
American Driver Group helps dealers uncover missed income, strengthen F&I performance, and retain more of the value their dealerships create—today and for the long term.
Why dealers choose ADGA complete dealer strategy
More than products.
A partner in performance.
From the F&I office to long-term dealer wealth, ADG brings the products, structure, and support to help your dealership move forward.
Dealer Wealth
DOWC, reinsurance, and retrospective structures designed to retain more program value and build long-term dealer wealth.
Explore wealth buildingHands-On Training
Practical, needs-based training that equips your team with product knowledge, transitions, and confidence.
Explore trainingDOWC ExperienceFrom the BeginningDavid Hammer · President
Experience few can claim
Helping take DOWC beyond Florida.
David Hammer was the first to take the Dealer-Owned Warranty Company model outside Florida, where US Warranty originated and launched the DOWC concept. That firsthand experience now helps ADG dealers evaluate participation with perspective earned from the beginning—not learned after the fact.
Put decades of experience to workThe ADG advantage
Built to create more than a product sale.
Every recommendation is measured against a bigger objective: stronger income, better retention, greater control, and lasting dealership value.
Find the missed income
Evaluate current production, product mix, process, and participation to reveal unrealized opportunity.
Develop the team
Turn opportunity into repeatable results through practical training and ongoing accountability.
Retain more value
Compare structures that may help qualifying dealers keep more of the economics they generate.
Build dealer wealth
Align today's F&I strategy with long-term income, enterprise value, and ownership goals.
Experience across the showroom
One partner.
Every road forward.
Specialized solutions for the distinct needs of automotive, powersports, marine, and RV dealerships.
Protection customers understand
Products that create value at every turn.
Build a lineup that supports customer confidence, dealership loyalty, and profitable performance.
View All SolutionsVehicle service contracts
Prepaid maintenance
GAP protection
Tire & wheel
Appearance protection
Limited warranties
The people behind the partnership
Experience Behind Every Partnership
ADG is led by Dave and Tammy Hammer—bringing decades of industry, financial, and operational experience to every dealer relationship.
Dealer Strategy & Wealth Building
Dave Hammer
President
A dealer-focused strategist with firsthand experience in income development, participation structures, and long-term wealth building.
Finance & Operations
Tammy Hammer
Vice President, Operations & Dealer Development
A financial-industry leader who brings operational discipline, F&I experience, and a hands-on commitment to dealer development.
Let's build what comes next