LaneAssure proposes a deeply integrated, AI-priced 60-day warranty at point-of-sale — protecting buyers for 6× the arbitration window and creating a new revenue stream on existing transaction volume.
Manheim's arbitration window closes before most mechanical failures surface. From Day 11 through Day 60 — the entire retail turn period — the dealer absorbs every repair with no recourse whatsoever.
Arbitration is not a warranty. DealShield is not a repair product. LaneAssure is the only option that covers mechanical failures, on-lot, for the full turn window.
| Protection Type | Coverage Window | Cost Threshold | How Claims Work | What's Left Exposed |
|---|---|---|---|---|
| NAAA Arbitration OVE / Simulcast |
10 calendar days (Sale Day = Day 1) |
$800 cumulative ($200 single defect min.) |
Vehicle transported to auction. Seller disputes claim. Manheim absorbs liability above threshold. | Days 11–60. Defects under $800. Wearable items. Disclosed conditions. |
| DealShield DS360 Paid subscription |
21 days / 360 miles (return only) |
Return-based — no repair coverage | Buyer must surrender vehicle and unwind transaction. No repair. No reimbursement. | Days 22–60. Vehicles over 360 miles driven. No mechanical repair path. |
| LaneAssure Wholesale Warranty |
60 days from purchase No mileage limit |
Covers failures above PSI baseline | On-lot adjudication. No transport. No return. LaneAssure handles end-to-end. | Designed to cover the gap. Nothing left exposed. |
LaneAssure integrates directly into the Manheim checkout flow. No separate enrollment. No vehicle movement. Coverage activates at gavel drop.
Manheim's Condition Report is generated and fed to the LaneAssure pricing engine in real time as the vehicle enters auction.
LaneAssure ingests the CR, Carfax service/accident history, and AutoCheck score to generate a vehicle-specific 60-day warranty price reflecting actual risk.
At point of purchase, the buyer sees a LaneAssure warranty option priced to that specific vehicle. One step at checkout — no separate enrollment required.
The Post Sale Inspection documents the vehicle's condition at sale — defining coverage scope and creating the auditable baseline for all future claim validation.
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.
Any mechanical claim is handled by LaneAssure on-site. No transport. No return to auction. No Manheim involvement. No vehicle out of service.
LaneAssure doesn't create winners and losers. Every stakeholder in the Manheim ecosystem gains measurably.
LaneAssure ingests 8 data streams from every vehicle and produces a vehicle-specific AI Risk Score — then prices the warranty from that score. No flat rates. No averages. Every vehicle priced on its own pedigree.
Manheim handles 7M+ vehicles annually. Even conservative warranty attachment creates a substantial new revenue line. LaneAssure proposes a revenue share structure aligned with Cox Automotive's platform incentives.
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.
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.
Warranty option presented as a post-bid checkout step within the existing Manheim transaction flow. No separate platform or login.
Manheim Condition Report data feeds directly into the LaneAssure pricing engine as vehicles are listed — warranty price ready at the moment of sale.
Post Sale Inspection report delivered to LaneAssure at transaction close to anchor coverage scope and establish the pre-existing condition baseline.
60-day clock starts at transaction timestamp. No manual activation required by buyer, seller, or Manheim staff.
All claims adjudicated on the dealer's lot by LaneAssure. No transport, no return to auction, no Manheim staff assigned.
Single Manheim location or product line to validate attachment rates, claims data, and operational fit before any platform-wide rollout.