{
  "schema_version": "reality.vehicle-claim-decision-readiness/v1",
  "case_id": "TF-VC-027-BMW-RECORDED-FIXTURE",
  "assessment_date": "2026-08-31",
  "product_scope": "Reusable across makes and models; this receipt evaluates one fictional BMW training fixture.",
  "decision_readiness": {
    "workflow_triage": "READY",
    "payment_or_denial": "NOT_READY",
    "current_disposition": "Continue ordinary intake and obtain the missing claim-bound evidence. Do not approve, deny or label fraud from model-level public context."
  },
  "collected_and_verified": [
    {
      "item": "Partial VIN pattern and model year",
      "status": "AVAILABLE_TRAINING_INPUT",
      "supports": "Construction of model-level context queries.",
      "does_not_support": "Specific vehicle identity or ownership."
    },
    {
      "item": "NHTSA vPIC model descriptor",
      "status": "TINYFISH_FETCHED_REALITY_VERIFIED",
      "source": "https://vpic.nhtsa.dot.gov/api/",
      "supports": "2011 BMW X3 xDrive35i model-level descriptor and incomplete-VIN warning.",
      "does_not_support": "That the claimant vehicle is this vehicle."
    },
    {
      "item": "NHTSA model-year recall context",
      "status": "TINYFISH_FETCHED_REALITY_VERIFIED",
      "source": "https://api.nhtsa.gov/recalls/recallsByVehicle?make=BMW&model=X3&modelYear=2011",
      "supports": "Four records for the model-year query at capture.",
      "does_not_support": "Open or unrepaired recalls on a specific VIN."
    },
    {
      "item": "BMW North America model context",
      "status": "TINYFISH_FETCHED_REALITY_VERIFIED",
      "source": "https://www.press.bmwgroup.com/usa/article/detail/T0082511EN_US/the-new-bmw-x3-north-america?language=en_US",
      "supports": "xDrive35i and 300 hp model context.",
      "does_not_support": "Condition, loss, repair or ownership."
    }
  ],
  "required_before_payment_or_denial": [
    {
      "item": "Complete VIN + carrier vehicle/policy binding",
      "status": "MISSING",
      "decision_use": "Identify the insured vehicle and retrieve vehicle-specific records."
    },
    {
      "item": "Policy status, coverage, deductible and exclusions",
      "status": "MISSING",
      "decision_use": "Determine contractual eligibility; web context cannot replace the carrier system of record."
    },
    {
      "item": "Claimant, loss date/time/location and signed loss narrative",
      "status": "MISSING",
      "decision_use": "Bind the reported event to the policy, vehicle and claim."
    },
    {
      "item": "Original claim photos/video with capture metadata or controlled recapture",
      "status": "MISSING_NOT_ANALYZED",
      "decision_use": "Assess damage visibility, capture continuity and authorized Reality image/video integrity signals."
    },
    {
      "item": "Estimate, invoices, repair records and authorized PDFs",
      "status": "MISSING_NOT_ANALYZED",
      "decision_use": "Reconcile damage scope, parts/labor, prior repair and Reality PDF integrity."
    },
    {
      "item": "Carrier history, prior claims and approved third-party records",
      "status": "CUSTOMER_ADAPTER_NOT_RUN",
      "decision_use": "Check prior damage/claims using lawful first-party sources; public no-hit is not exculpatory or adverse."
    }
  ],
  "recorded_pipeline": {
    "tinyfish": "3 Search calls, 20 ranked positions, 3/3 official Fetch targets, 26,888 fetched characters and 50 links.",
    "reality": "3/3 provenance, reviewed claim-attachment and bounded-support checks passed.",
    "media_models": "Not run in the routine BMW context slice.",
    "agent_or_browser": "Not used."
  },
  "final_decision_contract": {
    "rule": "Approve, deny or escalate only when every material conclusion cites a claim-bound source or authorized model receipt and all required carrier gates are complete.",
    "allowed_human_outcomes": [
      "continue ordinary review",
      "request missing evidence",
      "request controlled recapture",
      "escalate to SIU/legal with cited reason",
      "approve under carrier policy",
      "deny under carrier policy with human-authored rationale and appeal/correction route"
    ],
    "automatic_fraud_or_payment_decision": false
  }
}