Wholesale Auction Arbitration Intelligence

Consistent.
Intelligent.
Every Claim.
Every Time.

The first arbitration intelligence engine purpose-built for the wholesale auction ecosystem. ArbLogix encodes the full NAAA policy as living decision logic — and extends Manheim's value proposition beyond the gavel, with a 60-day warranty that turns arbitration friction into platform revenue.

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Intelligence Engine
ArbLogix

Policy as code. Consistent outcomes. A learning system that gets smarter with every Manheim transaction.

NAAA Policy Engine Real-Time Decisions Full Audit Trail
Powered by ArbLogix
LaneAssure

60-day warranty at point of sale. Claims handled remotely by LaneAssure. New revenue on existing Manheim transaction volume.

60-Day Warranty Remote Claims New Revenue
Our Story

Built by People Who Know the Lanes.

LaneAssure was founded by wholesale automotive professionals who lived the arbitration problem firsthand — as dealers, as sellers, and as buyers navigating a process that was inconsistent and expensive for all parties. We built ArbLogix because we knew the NAAA policy well enough to encode it, and we built LaneAssure because we knew the warranty gap well enough to fill it. This isn't a technology company that discovered auto auctions. It's an auction-native platform built to solve a problem the industry has accepted as unavoidable.

Intelligence Platform

The Engine Behind
Every Decision.

Ten data streams. One consistent answer. ArbLogix fuses Condition Reports, Market Pricing, NAAA Policy, and Vehicle History at the moment of sale — so every claim outcome is provable, not guesswork.

DATA INPUTS INTELLIGENCE ENGINE OUTPUTS 10 INPUTS INTELLIGENCE ENGINE ArbLogix Policy as Code Risk Scoring Claim Adjudication Condition Report CR GRADE · DAMAGE · COMPONENT FLAGS Manheim MMR ADJUSTED MARKET VALUE · COMP DATA Sale Announcements GREEN / YELLOW / RED LIGHT · DISCLOSURES Vehicle History CARFAX · AUTOCHECK · ACCIDENTS NAAA Policy Rules WINDOWS · THRESHOLDS · EXCLUSIONS Historical Claims OUTCOMES · SELLER PATTERNS · CR ACCURACY PSI Inspection MECHANICAL · SAFETY · CONDITION BASELINE Factory Warranty OEM COVERAGE REMAINING · EXCLUSIONS AllData API OEM REPAIR COSTS · LABOR TIMES Transportation Calculator ROUTE COST · LOGISTICS ESTIMATION AI Risk Score 0–100 vehicle-specific risk rating derived from all 10 data inputs. Powers warranty pricing precision. Consistent Outcomes Same fact pattern = same answer. Every location. Every arbitrator. No subjectivity. No variance. Claim Determination Policy-checked coverage decision. Repair cost validated via AllData. Handled remotely by LaneAssure. LaneAssure 60-Day Warranty Vehicle-specific price at checkout. No flat rates. No averages. Factory warranty offsets applied. CONTINUOUS LEARNING Every claim outcome feeds back into the engine. Gets smarter with every Manheim transaction. 10 DATA INPUTS Fused per vehicle at point of sale SAME ANSWER EVERY TIME No arbitrator subjectivity or location variance LEARNS AT SCALE Smarter with every Manheim transaction
ArbLogix — Vehicle Risk Engine

Every Input. One Score.
One Price.

ArbLogix ingests every data point available on a vehicle at the moment of sale — condition, history, announcements, factory coverage — and produces a vehicle-specific AI Risk Score. That score prices the warranty. No flat rates. No averages. Every vehicle priced on its own pedigree.

2018 CHRYSLER 300 TOURING  ·  PA-MANHEIM PHILADELPHIA  ·  88,301 MI
Data Inputs
Vehicle Profile
2018 Chrysler 300 · 88,301 mi
7-year-old vehicle, high mileage — elevated wear baseline
High
CR Score
2.9 / 5.0
Below average condition grade — flags mechanical concerns
High
NAAA Sale Light
Green +
Yellow
Yellow = Limited Guarantee — arbitration scope is narrowed
Med
Announced Conditions
ENGINE PROBLEM disclosed
Seller announced engine issue — major component flag per NAAA §III
High
Carfax History
2 accidents · 3 owners
Multiple incidents increase likelihood of latent mechanical failure
High
AutoCheck Score
61 / 100
Below average independent risk score for this vehicle segment
Med
PSI
Must Be Ordered
Pending — price estimated
PSI ordered. When received, coverage baseline locks and price finalizes.
Pending
Factory Warranty
Powertrain: 14 mo. remaining
Active OEM coverage reduces LaneAssure exposure — price credit applied
Credit
ArbLogix
AI Output
ArbLogix Risk Score
LOW MED HIGH 0 RISK SCORE
Calculating…
LaneAssure 60-Day Warranty
$
Estimated · PSI pending baseline lock
Engine announcement+$42
CR 2.9 grade+$28
88k miles+$19
Factory warranty credit−$34
PSI baseline: pending
NAAA Rules Applied
10-day arb window: Days 11–60 fully covered by LaneAssure
$800 threshold: Sub-threshold claims included in LaneAssure scope
Yellow light: Reduced arb scope → LaneAssure fills the gap
Engine announced: PSI baseline isolates pre-existing from new failures
ArbLogix in Action

Real Arbitrations. Real Decisions.

Below is a real arbitration case from the Manheim ecosystem — showing exactly how ArbLogix reads the Sale Light, checks NAAA Policy, validates Repair Costs, and reaches a defensible, fully auditable decision in seconds. No arbitrator subjectivity. No location variance.

Case 01 ✓ Covered
2020 Jeep Wrangler
VIN: 1C4HJXDG2LW200895
Sale Light Green
Claim Type Engine Problem — undisclosed
Repair Estimate $2,400
Days Since Sale 12 days
Miles Since Sale 112 mi
ArbLogix Decision Logic
Green light — full arbitration rights apply [NAAA §II.1]
Engine Problem is arbitrable under Green light [NAAA App. I]
$2,400 exceeds $800 single-defect threshold [NAAA §VII.2.a]
Day 6 — within 7-calendar-day window [NAAA App. I "C"]
112 miles — within auction mileage cap
No prior announcement of engine condition — undisclosed
COVERED — LaneAssure handles claim remotely. No transport. No return to auction.
Case 01 ✓ Covered by LaneAssure
2015 Ford Edge
VIN: 2FMTK4J86FBB75746
Sale Light Green + Yellow
Announcement A/C issue announced
Claim Type Transmission failure — undisclosed
Repair Estimate
$3,800
Confirmed by ALLDATA API
Days Since Sale 14 days
Miles Since Sale 187 mi
ArbLogix Decision Logic
Yellow limits A/C claim only — transmission still arbitrable [NAAA §III.9]
Transmission/Drivetrain arbitrable under Green+Yellow [NAAA App. I]
$3,800 exceeds $800 threshold [NAAA §VII.2.a]
Day 14 — within LaneAssure 60-day coverage window
187 miles — within mileage cap
Day 14 is outside NAAA 7-day arb window — standard arbitration denied
LaneAssure 60-day warranty fills the gap — claim active
COVERED — Exactly the gap LaneAssure was built for. Days 8–60.
Case 03 ⚡ PSI Required
2016 Chevrolet Equinox
VIN: 1GNFLFEK1GZ100863
Sale Light Yellow
Announcement Engine light on — announced
Claim Type Engine failure — timing chain
Repair Estimate $1,950
Days Since Sale 22 days
PSI Status Not ordered at sale
ArbLogix Decision Logic
Yellow light + engine light announced — limits arbitration [NAAA §II.2]
Announcing warning light does NOT discharge seller for underlying defect [NAAA §III.8]
$1,950 exceeds $800 threshold [NAAA §VII.2.a]
Day 22 — outside NAAA 7-day window; standard arbitration closed
No PSI ordered — pre-existing condition boundary is ambiguous
LaneAssure 60-day window still active — Day 22 is covered
ArbLogix flags: PSI needed to establish pre-existing vs. post-sale failure
CONDITIONAL — LaneAssure orders mobile PSI to establish baseline. If timing chain failure is post-sale, claim is paid. This is why PSI matters.
Case 04 ⚡ Structural — Complex
2015 Lexus IS
VIN: JTHBF1D29F5075430
Channel Simulcast
Sale Price $15,700
Sale Date 6/12/2026
Arb Filed 6/16/2026
Days to ARB 5 days
Miles 83,708
Claim Category Structural / Subframe
CR Score 4.5 — Disputed
Carfax 4 accidents, 2 major
💡 ArbLogix Insight

4 accidents + 2 major events on a $15,700 Simulcast vehicle. ArbLogix flags this before the buyer ever bids. A PSI at purchase either prices the risk correctly — or surfaces the misrepresentation before money changes hands.

ArbLogix Decision Logic
Simulcast channel — 7-calendar-day online window applies [NAAA App. I "C"]
Day 5 — within arbitration window. Claim is timely.
Structural damage claim — NAAA §VIII Structural Policy applies
Buyer alleges bent subframe — left front tire visibly misaligned
4 accidents (2 major) not adequately disclosed at sale [NAAA §III.2]
3 shades of white paint — cosmetic evidence of prior structural repair
CR score of 4.5 disputed — structural damage not reflected in grade
Structural damage requires UVMS measurement [NAAA §VIII.4.g]
Visual misalignment supersedes electronic measurement [NAAA §VIII.4.f]
If confirmed: seller liable for reimbursement of documented costs [NAAA §III.11]
WITHIN NAAA WINDOW — Standard arbitration eligible Day 5. If structural damage confirmed by UVMS measurement, seller absorbs full liability. LaneAssure PSI would have flagged the subframe misalignment at point of sale — eliminating the dispute entirely and anchoring coverage scope before gavel drops.
Every NAAA Policy Rule.  Encoded.  Every Transaction.  Learning.
Sale Light System 7-Day Arb Window $800 Threshold Appendix I Matrix Engine Problems Transmission Failures ABS / SRS Structural Damage Flood Policy Title Guarantee PSI Baseline Wearable Exclusions Mileage Caps Disclosure Gaps 120-Day Flood Window 4-Year Title Window Historical Sale Data Seller Pattern Recognition CR Accuracy Scoring Claim Outcome Learning
ClaimView — Powered by ArbLogix

One Claim. Three Views.
Everyone on the Same Page.

The arbitration process breaks down when parties have different information. ClaimView eliminates that problem entirely. Every claim filed through LaneAssure is visible in real time to the Buyer, the Seller, and Manheim — each with a tailored view of the same underlying data. No phone calls chasing status. No disputes about what was decided. No ambiguity about why.

Full Transparency

Every party sees the claim status, the policy reasoning, and the next step — in real time. No information asymmetry. No disputes about what was decided.

Faster Resolution

Claims move through ArbLogix automatically. No phone calls. No chasing arbitrators. No waiting for someone to check the file. Status updates the moment anything changes.

Complete Audit Trail

Every decision ArbLogix makes is logged with the policy section applied, the data used, and the outcome reached. Defensible. Consistent. Available to all parties.

Manheim Stays Informed

The Auction view gives Manheim full visibility into claim volume, resolution rates, and policy application — without absorbing any of the operational burden.

Meet LaneAssure — Powered by ArbLogix

Extending Manheim's Value
Proposition Beyond the Gavel.

Manheim's arbitration framework is purpose-built for the sale — it was never designed to be a warranty product. LaneAssure extends Manheim's value to buyers through the entire 60-day retail turn window, turning the natural boundary of the arbitration policy into a platform service that generates new revenue and deepens buyer loyalty.

Why it Works

A Service to Buyers. A Relief for Operations.

A Premium Service for Manheim Buyers

LaneAssure covers the dealer from purchase through retail sale — the full vehicle lifecycle. Buyers bid with confidence knowing they're protected end-to-end. That confidence drives higher participation, stronger bids, and deeper loyalty to the Manheim platform.

PSI Revenue Through Manheim

LaneAssure requires a Post Sale Inspection or Manheim Certification on every covered vehicle — ordered and fulfilled through Manheim's existing PSI infrastructure. Every warranty sold generates a PSI order. That's incremental, recurring revenue on top of the warranty platform share.

Arbitration Burden Transferred

Today, when the arbitration window closes, disputes don't disappear — they become Manheim's problem anyway. Sellers push back, buyers escalate, staff absorbs the friction. LaneAssure takes ownership of every post-window claim. Manheim's arbitration team stops being a catch-all for failures that fall outside the policy.

Hard Cost Reduction

Every arbitration claim carries costs beyond the settlement: price adjustments, vehicle transportation, re-inspection labor at $95/hr, lot storage, and staff coordination. On covered vehicles, LaneAssure absorbs all of it. Those costs don't compound across Manheim's transaction volume — they disappear.

Side-by-Side

Where Every Product
Leaves Dealers Exposed.

Arbitration is not a warranty. DealShield is not a repair product. LaneAssure is the only option that covers mechanical failures, remotely adjudicated by LaneAssure, for the full turn window.

One Line. One Click. Zero Friction.

LaneAssure Lives Right
Inside the Manheim Checkout.

No new platform. No separate enrollment. LaneAssure appears as a single line item under Services — exactly where buyers are already making decisions — with a one-click add at the moment of purchase.

Live Manheim Checkout  —  LaneAssure Integration Point
Sale
Date
09
JUN 2026
2018 Chrysler 300 Touring
2C3CCARG0JH251001  ·  88,301 mi  ·  Gray / Black
CR 2.9
Facilitating Location
PA — Manheim Philadelphia
602-LANE 2 ON SPOT
Announcements & Notes
GREEN LIGHT / ENGINE PROBLEM
Services
PSIOrder a PSI
TransportationOrder
DealShield
NEW LaneAssure Add Coverage
◆  LaneAssure Coverage
60-Day Warranty $299
AI-priced based on this vehicle's Condition Report, Carfax history, and AutoCheck score. Coverage activates at transaction close. Claims handled remotely by LaneAssure — no transport required.
✓ 60 Days ✓ On-Lot Claims ✓ 20 Years or Newer / 125,000 Miles or Less ✓ PSI-Anchored
Arbitration
OutcomeStart a Claim
Vehicle Release
StatusReady for Buyer Pick Up
Charges
Total*$6,965.00
Unpaid Charges$6,965.00
Balance$6,965.00
LaneAssure integrates as a native Services line item — one API connection, zero workflow changes for Manheim or the buyer.
LaneAssure — The Solution

Warranty at the Moment of Purchase

LaneAssure integrates directly into the Manheim checkout flow. No separate enrollment. No vehicle movement. Coverage activates at gavel drop.

Vehicle Listed on Manheim

Manheim's Condition Report is generated and fed to the LaneAssure pricing engine in real time as the vehicle enters auction.

AI Pricing Engine Activates

ArbLogix reads the CR, Carfax history, and AutoCheck score to price each vehicle to actual risk. NAAA policy rules — sale lights, arbitration windows, $800 threshold — all encoded live.

Buyer Offered Coverage at Checkout

At point of purchase, the buyer sees a LaneAssure warranty option priced to that specific vehicle. One step at checkout — no separate enrollment required.

PSI Establishes Baseline

The Post Sale Inspection documents the vehicle's condition at sale — defining coverage scope and creating the auditable baseline for all future claim validation.

60-Day Coverage Begins

Coverage activates at transaction timestamp. The 60-day window starts exactly where Manheim's 10-day arbitration window ends — protecting dealers through the full retail turn period.

Claims Handled Remotely by LaneAssure

Any mechanical claim is handled remotely by LaneAssure. No transport. No return to auction. No Manheim involvement. No vehicle out of service.

Value to Every Party

A Benefit Structure Aligned Across the Ecosystem.

LaneAssure doesn't create winners and losers. Every stakeholder in the Manheim ecosystem gains measurably.

MagellanService Corporation
Worry-Free Automotive Solutions

Drive Business: Satisfy Your Customer Base with Leading Warranty & Repair Protection

Vehicle Service Contracts and Agreements are vital to an auto dealer's successful business model. When implemented seamlessly, they create a win-win scenario from seller-to-consumer.

Protection that Goes the Distance
Magellan Service Corporation
A+ Rated Carrier
Backed by Old Republic
Manheim
ArbLogix x Manheim

Designed for the Manheim
Platform, Not to Disrupt It.

LaneAssure plugs into Manheim's existing infrastructure. No new operational overhead. No workflow disruption. A phased pilot is available to validate metrics before any platform-wide commitment.

API Integration with OVE / Simulcast Checkout

Warranty option presented as a post-bid checkout step within the existing Manheim transaction flow. No separate platform or login.

Real-Time CR Data Feed

Manheim Condition Report data feeds directly into the LaneAssure pricing engine as vehicles are listed — warranty price ready at the moment of sale.

PSI Transmitted at Point of Sale

Post Sale Inspection report delivered to LaneAssure at transaction close to anchor coverage scope and establish the pre-existing condition baseline.

Automatic Coverage Activation

60-day clock starts at transaction timestamp. No manual activation required by buyer, seller, or Manheim staff.

Remote Claims — Zero Auction Involvement

All claims handled remotely by LaneAssure. No transport, no return to auction, no Manheim staff assigned.

Phased Pilot Available

Single Manheim location or product line to validate attachment rates, claims data, and operational fit before any platform-wide rollout.

ArbLogix x Manheim

Here's Everything
Manheim Walks Away With.

ArbLogix and LaneAssure aren't a vendor relationship — they're a platform extension. Here is the complete picture of what Manheim gains by bringing this to market.

ArbLogix
A Learning System That Gets Smarter With Your Data

When Manheim provides historical transaction and arbitration data, ArbLogix ingests it all — past claim outcomes, seller patterns, CR accuracy rates, vehicle failure frequencies. Over time, ArbLogix becomes a proprietary intelligence layer trained on Manheim's own data. That's a platform asset that compounds in value the longer the partnership runs.

Guaranteed PSI on Every Covered Vehicle

LaneAssure requires a Post Sale Inspection on every vehicle enrolled in coverage — ordered and fulfilled through Manheim's existing PSI infrastructure. Every warranty sold generates a PSI order. That's incremental recurring revenue on top of the warranty platform share, and it improves the quality of Manheim's condition data over time.

A Greater Level of Service to Buyers and Sellers

ClaimView gives every party — buyer, seller, and Manheim — a real-time window into every claim. Transparent status. Consistent policy application. Auditable decisions. Manheim goes from administering a dispute process to offering a transparency layer that no other auction platform provides. That's a competitive differentiator, not just an operational fix.

Shared Revenue on Every Warranty Sold

LaneAssure proposes a revenue share structure on every warranty sold through the Manheim platform. With 7M+ annual transactions and even a conservative attach rate, this creates a meaningful new revenue line on volume that already exists — no new infrastructure, no new sales effort required.

Elimination of Arbitration Cost Exposure

On covered vehicles, Manheim's exposure above the $800 NAAA threshold is eliminated. Price adjustments, transport reimbursement, re-inspection scheduling, storage, and settlement payouts — all routed to LaneAssure. The cost structure of every covered dispute goes to zero for the auction.

Meaningful Arbitration Manpower Reduction

Every claim on a covered vehicle is routed directly to LaneAssure and handled remotely — without a Manheim arbitration team member being assigned, without a vehicle being transported, and without Manheim absorbing any portion of the financial outcome. ArbLogix handles intake, policy application, and adjudication. Manheim's arbitration staff is freed for core operations.

The Bottom Line for Manheim

Two companies. One platform. Built from the ground up for the Manheim ecosystem. That's what ArbLogix and LaneAssure bring to Manheim — not as a vendor, but as a partner. This is an AI platform that learns from your data and grows in value every year. Increase PSI rates. Revenues on warranties. Zero arbitration costs on covered vehicles. And all with a transparency layer that elevates buyer and seller trust — and a measurable reduction in your arbitration team's manpower.