Who Is Sidecars?

Who is SideCars? That’s a loaded question!


We are a team of highly professional, highly intelligent players who love what we do, and we love how we do it. We are interpreters of the IRS tax code who leverage our accounting expertise to the benefit of our dealership clients (who are shared with our agents, of course).


What we’ve done is distill the reinsurance process into a proven, repeatable practice that ensure dealers get the most underwriting profit possibly with their participation. You are killing your legacy (and we classify is as first-degree murder) when you choose to only make a commission or retro off your existing program.

Les Olson

Les Olson

CPA, Owner


The brains and beauty behind SideCars. The Jobs to Edward’s Wozniak. In the summer of 1998, his hair ran away because it couldn’t handle the stress of living up to the world’s expectations of greatness. Les’s hair now lives in a trailer in southern Wisconsin with its wife and two sons. Pretty sure he will play in the PGA by the ripe young age of 80. Lover of life, games, and his motorcycles.

Garen McMillian

Garen McMillian



Pretty sure he held a black belt in Karate in his previous life but is still working to perfect his skills in this life. Volunteers A LOT. Has a giving heart. Garen brings his bad-boy attitude wherever he goes.

Richard Snaith

Richard Snaith

National Director of Sales


Richard Snaith has worked in or with automotive dealerships his entire career, more than 30 years. His expertise in training F&I Managers how to effectively sell compliant products is unparalleled. Learn more about Rich here!

Elissa Adam

Elissa Adam

Chief Operating Officer


In case you can’t tell, Elissa is very excited that we chose to have photos of ourselves on our website, and that we chose this photo of her in particular. Elissa also gets really excited about watching dangerous quantities of Netflix, but only on days ending in “Y”. She’s the only person on Planet Earth that can go toe-to-toe against Ed in video games…and losing is NOT an option for this girl. Elissa is currently a Crossfit fiend who takes delight in hurling large tractor tires like frisbees across random warehouses.

Joey Henson

Joey Henson



Joey is known around the office for his brazen confidence and boyish charm. He has no problem destroying you in a game of ping pong; or reminding you that he was born in the 90s. Super Smart. Very frugal.

Ed Emanuel

Ed Emanuel



Eduardo was rescued from a Mexican cartel two years ago in exchange for his great programming prowess. He still suffers from acute Stockholm’s Syndrome, which explains why some places in SideKick are in Spanish. We are still working on translating those pages. Loves robots. Loves gaming. Loves destroying everyone at anything that resembles Mortal Kombat. Loves his family. Loves working at SideCars.

Jason Otero

Jason Otero

Ginger Software Architect


Jason is the whitest Mexican you’ll ever meet, and currently has the second-best beard/bald head “look” going on at SideCars. His nicknames alternate between Flash (because sloths ain’t got nothin’ on his reflexes) and Rockstar (from all those guitar gigs). For those Tolkien fans out there, he’s also nicknamed Aule of the Valar.

Lacey Timochtchenko

Kara Malcolm

Office Associate


Kara’s upbeat smile and attitude will slay even the grumpiest of non-morning people (ahem—Les!—cough, cough). We all know her secret to cheeriness lies in the copious quantities of Lucky Leprechaun Lattes she quietly consumes at her desk, but does that really matter to you, oh Website Creeper? Didn’t think so. Just know that Kara’s laughter is making the world a little better somewhere, right now. You’re welcome.

Vicki Mayes

Vicki Mayes

Senior Reinsurance Accountant


Vicki is a lake fanatic who is a kid at heart, and who loves spending time with her hubby on their party boat. She’s crazy about their daughter, Destiny, and does a great job of biting her tongue when it comes to shoddy high school basketball refs. (Ha!) When it’s not lake season, you can find Vicki either cheering on the Sooners or riding motorcycles all over the Midwest.


Aaron Guthland-Strubert

Non-ginger Software Architect


The result of failed genetic experimentation to broker a lasting peace between the warring Guthland and Strubert city-states, Aaron has long wandered the earth in search of a beer he would not drink (and occasionally doing the odd bit of IT nerdery to fund this endeavor).



Uber-Hyphenated-German: +3 to alcohol related constitution checks

Skeptic (Stolid): -2 against all rolls attempting to influence this character (WIL, CHA, and INT)



Hermit: -3 to all rolls when in a crowd

Skeptic (Existential Dread): -2 to all sanity checks


Taylor Lansford

Compliance Officer


Taylor is originally from Oklahoma (try not to hold that against him, folks) and is misleadingly quiet when you first meet him. But if you thought that meant he isn’t capable of making off-color wisecracks, you’d be sadly mistaken. Taylor served as the captain of his college’s golf team, and gets a kick out of taking all the old guys’ money at random country clubs.

SC020618-5-Eli Stiles

Eli Stiles

Special Project Manager


Eli’s claim to fame is that he owns the largest collection of toys west of the Mississippi. (C’mon! Not those kinds of toys!) Eli’s vast wealth of knowledge about Ghostbusters is surpassed only by his adoration of his new daughter, Cora. His favorite pastime involves working crowds of strangers up into a frenzy while enthusiastically signing autographs as Seth Rogen.


Daniel Day

Reinsurance Accountant


Daniel is seemingly a big teddy bear on the outside, but is internally a ruthless assassin on Words with Friends. He bubbles over with giddy passion when it comes to reinsurance accounting–and chewing ice. Daniel suffers no fools when it comes to other people’s stupidity, and sports an entire menagerie of mental torture devices for those who dare to look at him the wrong way.


Gilvon Darkis

Reinsurance Accountant


Let’s get this straight—Gilvon is probably the only human in history whose peers voted as “most likely to complete a decathlon” AND “most likely to develop a full-on ear fetish”. Gilvon loves numbers so much he gave up all thought of becoming just another doctor, and attacked accounting with the same kind of loving drive that only Warren Buffet could appreciate.

More about us


Who are we? We are a provider of reinsured vehicle service contracts and other fully reinsured F&I products for dealerships all over the United States. And we are not like the others: at SideCars, we believe reinsurance is a freedom and right for every qualified dealership. This is about you, the dealer, fully participating in the transparent underwriting profits of your own products. And if you’re an agent, this is about you gaining a new arrow in your quiver—one that is unique, profitable, and highly desirable to your prospect dealers.


Why should you care? Lots of reasons: money; income; profit; investments; moolah; premium; control; freedom; and competitiveness, to start.


Why do we do this? Why not follow the other reinsurance providers’ lead and suck up all those underwriting profits for ourselves? For starters, we feel it’s completely unethical to screw dealers out of money that’s rightfully theirs.


Not only that, but we think (and are being regularly proven on this) that dealers respect administrators like us that understand and respect this about them first. We believe every dealer—all 36,000 in the United States—would seriously consider reinsuring their F&I products if they only understood the true risk and reward. (Disclaimer: reinsurance, even with the extremely price-competitive program we offer, probably isn’t for dealers that sell less than 40 cars a month.)


Okay, so what is it about us that’s so special? For starters, we are experts in the dealer reinsurance arena. We understand exactly what is possible and what’s stupid. At SideCars, we study the tax code to understand the intent of both Congress and the IRS, and then we maximize its applicability to dealerships of all sorts: auto, motorcycles, RVs, and more.


READ THIS: We are very aware of the size of this industry (approximately $12 billion), and we are not greedy. SideCars is not interesting in hand-picking 200 gullible dealerships and sucking them dry. What we are fascinated with is the idea that this industry it RIPE for disruption, and that we can return the power back to dealer principals who understand the power of participating in the underwriting profits of their vehicle service contracts and aftermarket products.


With Amazon, Vroom, Tesla, and other doing their best to strip the dealers of their role, it’s critical that dealer principals understand how to compensate for their front-end compression. And at SideCars, it’s clear to us that participating in the back-end is the best (perhaps only?) way to stay competitive.


WHAT ABOUT AGENTS? Well, glad you asked. We just talked a lot about dealers on this agent. You, dear agent, are a vital piece to this puzzle. It’s obvious to us at SideCars, and if you aren’t getting the warm and fuzzies at your current provider, then allow us to help. Our agents earn competitive commissions, even while their dealer clients enjoy the best wealth-building possible.


How can we be AWESOME for both agents and dealers? Simple: we didn’t revolutionize the reinsurance tractions as laid out by Congress and the IRS…we simply pay ourselves (as the administrator) less, knowing that what goes around comes around. We are confident that by doing what’s best (transparency!) for both agents and dealers, then we are doing the best thing possible for SideCars’ success going forward.

More “W” questions:


When are we available in your area? Now. Contact Us.


Where are we available? All 50 states. Contact Us.