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How Dealers Use Virtual F&I to Improve Coverage and Customer Experience

Written by Mark Geletka | Feb 5, 2026 4:50:23 PM

How Jimmy Smith Auto Group Uses Virtual F&I to Strengthen Coverage, Compliance and Team Development


Jimmy Smith Auto Group is a two-store operation consisting of Jimmy Smith Buick GMC and Smith Infiniti in Athens, Alabama. Operating in a high-volume environment, the group needed to maintain efficiency, compliance, and strong F&I performance while adapting to changes in staffing, sales volume, and internal development without adding unnecessary overhead.

To support those needs, the dealership implemented Virtual F&I (VFI) through JM&A Group, a model that allows F&I delivery to be supported remotely while continuing to follow the dealership’s existing processes and standards.