DCAP GROUP INC/
SB-2, EX-23.2, 2000-09-14
HOTELS & MOTELS
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                                                                   Exhibit 23(b)


               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

     We consent to the use in this  Registration  Statement  on Form SB-2 of our
report dated May 14,  1999,  relating to the combined  financial  statements  of
Dealers Choice Automotive Planning,  Inc. and Affiliated Companies as of and for
the year ended  December 31, 1998,  and to the reference to us under the caption
"Experts" in the Prospectus.

                                                 /s/ Margolin, Winer & Evens LLP
                                                 -------------------------------
                                                     Margolin, Winer & Evens LLP

Garden City, New York
September 8, 2000


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