finance & insurance products · on any VIN
Every F&I product, itemized before the desk.
Read. Price. Attach.
One VIN opens the F&I products the back office presents at hour four: a vehicle service contract, GAP, and protection, each priced to the exact car with source and timestamp. A product without a papered price posts a dash, never an estimate. The same VIN reads the products already on the car, decoded from the contract. Reading is free. No account.
Hand this record to your agent: it reads the products to attach and the products already in force, each decoded to its terms. You appear only where you’re load-bearing: what attaches or renews, in writing.
A VIN is 17 characters and never uses I, O, or Q.
never on this sheet
the monthly —prices post to the car, never to the payment; the loan itself is a different address — financing.vin
the products, as they post
- service contractthe term in months and miles · the deductible · the price
- GAPthe loan term · the price
- protectioncoverage as stated · the price per product
- the basispriced to this VIN — year, miles, drivetrain, history
reads beside decode · odometer · value — the record the contract is priced against
The products, named.
The menu’s four columns, unbundled — what each product is, stated plainly, before any figure.
- What does a service contract cover?covered repairs after the factory warranty ends — a contract, not insurance: term in months and miles, deductible stated, administrator named on the contract
- What does GAP cover?the gap between a total-loss payout and what the loan still owes; exposure is the loan balance read against the value bands
- What are the protection products?appearance, tire and wheel, key, theft — each one a stated coverage with a posted price, or it does not appear on this page
- Where is the loan?not on this sheet — the loan lives at financing.vin, soft-pull prequal to funded loan, on its own ledger; a product chosen here attaches beside it at close
Each product is a stated coverage with a posted price, or it does not appear. The desk sees this exact page.
The products already on the car.
Read runs both directions. A car that is already sold carries its own F&I products: a service contract part used, GAP still riding the loan, protection with time left. This page reads them from the papered contract, decoded to their terms and connected to the VIN, so what is in force is a posted fact and not a folder in the glovebox.
read from PCMI · F&I Express · the contract you upload: connected to the VIN, posted to the record
Insurance is a different product.
An insurance policy covers loss and liability and is regulated as insurance — quoted at insure.vin. A service contract covers repair and is a contract with an administrator. GAP sold with the deal is typically a waiver or contract, not a policy.
Each renders under its own rules, on its own address: the policy at insure.vin, the loan at financing.vin, the products here — administered through PCMI on papered terms, the administrator named on every contract this page prices.
None is a substitute for another.
policy → insure.vin · loan → financing.vin · contract → this page
The attach, on the deal.
Read → price → attach. A chosen product attaches to the deal at close as one line on the order at buy.vin — and buying later carries the same posted price.
01Readlive today · free
Paste the VIN. The products available on this car post with what each one covers, stated plainly — term, deductible, and administrator for the service contract; the loan-balance exposure GAP reads against; each protection product as its own row.
VSC · GAP · protection — a row per product
02Priceposted where papered · dash otherwise
Each product posts its figure to the exact car — year, miles, drivetrain, history — with source and timestamp. A product without a papered price posts a dash, never an estimate, and no figure on this page is anchored to a monthly payment.
the price · source · timestamp, per product
03Attachopens when the gate clears
A chosen product attaches to the deal at close — one line on the same order, beside the loan, never inside it. Buying after the sale carries the same posted price; the hour-four deadline does not exist here.
attached at close · the order line · the same price after
Attach a product at closenot yet open · state vehicle service contract provider/administrator registrations and GAP-waiver rules before a protection product transacts
The attach action renders through the compliance gate: product sales are regulated state by state, and until the registrations clear, this page states structure and posts prices where papered terms exist — nothing here sells a contract today. Reading is live — free, no account.
serves this doorvsc · warranty · warranties · incentives → fi.vin
Who reads the products.
One product sheet, three registers — the same rows, the same posted figures.
The buyer
before the chair, not in it
Today the products arrive at hour four, priced to fatigue. Here they were read before the chair was offered — whatever is worth attaching attaches at close, at the posted price, and the back office has nothing left to present.
The owner
after the sale, and the products already on it
A service contract does not expire with the test drive. The same posted price holds after the sale, priced to the car as it stands now. And the products already on the car read from the same record: what is in force, how much of the term is used, the date each one lapses.
vhr.vinthe history the contract is priced against
offers.vinthe payoff bridge a cancelled product’s refund lands on
in force · term elapsed · the date it lapses
The agent
terms by VIN, before a close or a renewal
An agent reads the product terms by VIN as one typed object: the products to attach, and the products already in force — coverage, term, deductible, administrator, the date it lapses. It attaches or flags a renewal only where a person authorized it, in writing.
Products are administered through PCMI on papered terms — the administrator is named on every contract this page prices, never implied.
The products are one face of the record.
If an agent decides on protection for you, it reads this same record: the products named · the products in force · each price posted to the car · the attach at close is the line on the order that survives being shown to you — tools at apis.vin/mcp.
For the agent you send
The agent reads the same record you do. Same two routes, three representations — the numbers never differ between them.
motions: B2H2A
- B2H2A — the human appears once, where the act is legally load-bearing — then the agent resumes
curl https://fi.vin/ -H 'accept: text/markdown' → the markdown twin of this page
curl https://fi.vin/{VIN} -H 'accept: application/json' → the record as typed evidence objects
curl https://fi.vin/{VIN} -H 'accept: text/markdown' → the record's markdown twinMachine surfaces on this host: /llms.txt · /icp.json · /.well-known/agents.json · one estate MCP server — apis.vin/mcp (every door a lens; tool results carry the door URL).
Attribution: X-Client-Type: html | md | json | mcp — read for agent-led demand attribution; it never changes the record.