It can be frustrating waiting for your car title to come in the mail. However, it is something that you have to wait for. The length of time it takes to get your paperwork in the mail depends on many factors. Some of which have nothing to do with you, but others that may determine how long it takes to get your title include who you purchased the vehicle from, where you purchased the vehicle, and how you purchased the vehicle. In this article, we will discuss each of these to understand what might affect how long it will take for you to get your car title.
If you financed your vehicle through a lender and you live in a non-title-holding state, your car title was sent directly to your lienholder. In non-title-holding states, the title is sent to the lienholder, aka lender, until the loan is paid off in its entirety. In these states, the title is considered to be a lienholder title or a lien title because it will be issued in the name of the lienholder as well as your name. Once your loan is satisfied, your lienholder is supposed to stamp your title as paid and send it to you in the mail. Unfortunately, many lienholders will put this responsibility on the vehicle owner.
If your loan is paid off and you still haven’t received your title from your lienholder, check out our article How To Get A Title From A Lienholder.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Massachusetts, Mississippi, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, and Wisconsin
Title-holding states will issue the vehicle title directly to the owner of the vehicle, not the lienholder. The lienholder will still be listed on the vehicle title until the loan is paid off, but the title is kept by the vehicle owner/operator. These titles, although in possession of the owner, still require a lien release to remove the lienholder from the title once the loan is satisfied.
What states are title-holding states?
Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York, Oklahoma, and Wyoming
Sadly, this happens to more people than you may think. Oftentimes when dealerships are experiencing financial difficulties or they are planning to go out of business, they’ll first try to sell all of the vehicles they don’t have titles for or cannot obtain a title for them. This way they avoid paying additional registration and title fees with the DMV. The dealership is hoping that this will now be the buyer’s problem.
Are you waiting on your car title because the dealership is out of business? Check out our article Getting a Title From a Closed Car Dealership.
If you know that the seller needs to obtain a duplicate title or they are in the process of obtaining a duplicate title, it may take a few weeks for the application to be complete and the new title to be issued. Once the new title is issued, the duplicate title will be issued to the seller, not you as the buyer. The seller will need to sign the new duplicate title over to you and you will need to take the signed title to the DMV to transfer the title to your name. Remember, only the registered owner in the DMV records can apply for and obtain a duplicate title. Until you give the DMV the signed prior title, your name is not in their records for that vehicle. If this situation matches your scenario, make sure to keep good contact with the seller of your vehicle during this process.
We advise against purchasing a vehicle without a title, even if the seller provides you with a seemingly reputable reason as to why they don’t have it. However, if you did purchase a vehicle without a title from a private seller and haven’t received it in the mail yet, reach out to them in all forms of contact that you have. Create a paper trail or digital trail of communication regarding the vehicle title. If the seller is unable or unwilling to send you the prior title or get you a duplicate title, you will need to seek an alternative method of title recovery.
If you have a vehicle without a title, you may be able to use a bonded title process, court-ordered title process, or the Vermont title loophole method. These are legal methods of title recovery recognized by DMVs across the country, but not all states allow for a bonded title. Before using this method, consider out-of-state bonding alternatives or other alternative title recovery methods.
There are a lot of other reasons why your car title hasn’t come in the mail yet that have nothing to do with these factors such as inclement weather impacting mail delivery or slow processing times at your local DMV. The most important thing to remember is that your vehicle title assigns legal ownership of your vehicle. If your title is missing, lost, or stolen, it’s important to address the issue immediately. Until the title is in your name, you are not the legal owner in the eyes of the law.
CarTitles.com takes the hassle out of applying for a title for your vehicle. Our team of title experts can help prepare your paperwork for any title method provided.
Are you a licensed automotive repair shop or a storage facility stuck with an abandoned vehicle? If so, you may be eligible to file for a mechanic’s lien or storage lien to recover the costs of repairing or storing an abandoned vehicle.
A mechanic’s lien is a legal right that attaches to real property (in this case, the property being the vehicle) and protects mechanics who have done work on a car. Mechanics are able to file liens against cars after they have performed repairs/repairs on them because they have been damaged by the owner. The purpose of this law is to prevent mechanics from having their work go unpaid by people who abandon their cars before paying for repairs.
A storage lien is similar in nature to a mechanic’s lien, but it is allowed to be filed by storage facilities that do not necessarily repair motor vehicles and requires that you first store the abandoned vehicle before filing for one. The storage lien gives you priority over other creditors who may want to claim their property back from storage facilities.
The mechanic’s lien process starts with your filing a lien claim with the county clerk’s office in the county where the vehicle is stored. To file a mechanic’s lien or storage lien, follow all instructions for notification of the owner and lienholders. You will likely have to post ads in a circulating newspaper and will likely be required to auction off the vehicle at a public auction after the mechanic’s lien process is complete. If you don’t take action within the appropriate time frame, you risk losing your right to collect on your mechanic’s lien or storage lien claim.
A mechanic’s lien or storage lien must be filed within a specific amount of time. Your county will determine the applicable time frame.
In most states, the deadline for filing a mechanic’s lien is 30 days after you’ve been paid in full. If you don’t file within that time frame, you may lose your right to file a lien claim. In some states, the filing deadline is longer than 30 days after payment. You should check with your county clerk or DMV to find out what the deadline is in your state. Some states allow mechanics to extend this deadline if they can prove that they made every reasonable effort to notify their customer of the need for payment but were unable to do so because of an unforeseen event such as fire or natural disaster.
When it comes to filing a mechanic’s lien, there are several steps that you must take. While the exact steps depend on your state laws, you will typically need to file a notice at the courthouse where the vehicle is located, publish a legal notice in a local newspaper, send a notice to the owner of the abandoned vehicle, and place a notice on the car itself. The benefits of filing a mechanic’s lien or storage lien are immense for automotive repair and storage facilities. Before filing, make sure you know your state’s process so you can get the payday you’ve been waiting for.
CarTitles.com takes the hassle out of filing a mechanic’s lien. Get started with us today!
Ready to file a storage lien? StorageTitles.com is the premier provider of storage lien filing support and assistance.
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Can you get a car title with a bill of sale? Yes, you can get a car title with a bill of sale, but only in certain situations.
A bill of sale is proof of the vehicle transaction. The bill of sale does not prove ownership of the vehicle, just that the sale of the vehicle occurred. A bill of sale is a legal document used to transfer ownership from one person to another. It can be used as proof of ownership when selling a vehicle privately or through a dealership. In all states, the seller needs to complete and sign the bill of sale before handing over the title.
For more tips regarding your bill of sale, check out our article How to Write a Bill of Sale.
There are a few circumstances where a state will allow a vehicle to be registered with only a bill of sale. Those circumstances generally are:
The Vermont title loophole, more formally known as the Vermont registration process, is one of the most common ways to get a title for a vehicle using only a bill of sale. While vehicles that are 15 years or older can be registered in Vermont, they cannot be titled under Vermont law. This means that the registration document provided by the Vermont DMV is legally equivalent to a vehicle title in that state. With this legal proof of ownership, you can use this in lieu of a prior title to obtain a new title in your name.
Learn more about the Vermont title loophole!
If your vehicle doesn’t meet the model year criteria for the Vermont title loophole, a bonded title is another valuable way to obtain a title using a bill of sale if your state allows for this method. Currently, only 35 out of the 50 U.S. states allow for a bonded title process. A bonded title requires you to obtain a vehicle title bond, or surety bond, to secure your claim of ownership.
Learn more about the bonded title process!
In some states, titles are not required or optional for certain model-year vehicles. Typically, these model years vehicles are upwards of 25+ years old. For example, in Georgia, you can obtain a vehicle registration that is equivalent to a title for model years 1962 and older. Because titling is not required for these vehicles, similar to the Vermont title loophole, the Georgia registration document is equivalent to a title for that vehicle.
Overall, unless your vehicle meets these specific requirements, it will likely not be possible to get a title using only a bill of sale. But if your vehicle meets this criterion, these are very valuable and reputable methods to obtain a vehicle title. CarTitles.com takes the hassle out of applying for a title for your vehicle. Our team of title experts can help prepare your paperwork for any title method provided.
If you are trying to title your vehicle in Florida, but find that you are missing important ownership documents, a bonded title may be a valuable alternative method to title your vehicle.
A bonded title is a type of title recovery method that requires the purchase of a surety bond, also known as a vehicle title bond, to secure the ownership of the vehicle. This is because, in order to receive a bonded title, you must have a major lack of proper documentation. The DMV in your state is essentially taking your word that you are the owner of the vehicle. The vehicle title bond provides security for the DMV to assign the ownership in the event that there is an ownership discrepancy after the bonded title is issued.
To get a bonded title in Florida, you must provide the following completed official documents to your local DMV:
To apply for a bonded title, Florida law requires that the vehicle identification number (VIN) and the odometer be verified. The number on the odometer of the vehicle must be accurately reflected on this form. Federal and state law requires that this information be accurate and failure to provide accurate information may result in fines and/or imprisonment.
VIN verification requires a physical inspection of the VIN of the vehicle. This is an official process and must be completed by an authorized agent such as a Florida licensed dealer, law enforcement officer, military police officer, or the Florida Compliance Inspector. VIN verification is required to ensure that the vehicle is permitted to be titled under federal and state laws. Certain VINs or replacement parts may be found in the NMVTIS database and unable to be titled if the vehicle was rebuilt or previously damaged.
This document must be completed by the surety company that issues you your vehicle title bond. The bond amount needed for Florida is 2x the value of the vehicle. This doesn’t mean that if your vehicle is worth $5,000 that you’ll have to pay $10,000 to get a title. Most vehicle title bonds cost a fraction of the actual value, typically at around $100-$200. The reason that applicants are required to purchase a bond with such a high value is that if there is a true discrepancy in ownership, the terms of the bond may cause you to pay the full amount to cover any damages.
A title bond can be purchased by any surety bond agency that is permitted to sell vehicle title bonds in Florida. Our partners at ProBonds.com are experts at providing vehicle title bonds and can issue title bonds for vehicles in Florida.
A Florida bonded title is a very valuable method to obtain a vehicle title if you are missing ownership documents. CarTitles.com takes the hassle out of applying for a title for your vehicle. Our team of title experts can help prepare your paperwork for any title method provided. Get started with your bonded title process!
Looking for a title bond? Get started with ProBonds.com!
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For as little as $159 for most processes, we will save you the headache and prepare all of the car title paperwork needed to get you a new title. Simply choose the title recovery method you’d like to use and we’ll get started!
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Do you currently have a vehicle with an MV907A from New York that needs to be transferred to a vehicle title? New York, like some other states, allows for salvage vehicles to be rebuilt and titled for future road use. Unlike other states, New York is notorious for its rigid and strict inspection and titling procedures for these brands of vehicles.
If you’ve purchased a vehicle from auction, you’ve likely received a salvage certificate known as form MV907A. This form is not equivalent to a vehicle title but is used as official proof of ownership to obtain a vehicle title, according to the New York DMV.
In New York, a vehicle is considered salvage if:
Before a salvage vehicle can be officially titled, the vehicle must be inspected by the New York DMV Auto Theft & Salvage Unit. Using the Salvage Examination/Title Application (MV83SAL), provide the following information about the vehicle:
On the second page of this form, you’ll be required to notate all major parts of the vehicle that were repaired, the type of salvage vehicle you are titling, and itemize all body repairs. Your MV907A form should tell you what type of salvage your vehicle is considered:
For every salvage vehicle, the insurance claim will record the major components that need to be replaced prior to inspection. In order to pass the New York salvage inspection, all of the repairs completed must match the insurance claim. If parts have not been replaced in accordance with the insurance claim, the vehicle will be rejected. Additionally, you must keep all receipts from parts you’ve used as replacements for your vehicle. At the time of your inspection, you must present all original receipts to the inspector and/or ownership documents for any of the items replaced. The receipts and/or ownership documents must present the vehicle identification number (VIN) of the vehicle that the parts were taken. The reason for this is to prevent a vehicle from being rebuilt with faulty or unsafe vehicle parts from previously damaged vehicles.
The New York DMV has provided a checklist to avoid rejection of your application for a vehicle title. To ensure your application is approved, make sure all required forms are included and properly signed:
*When proof of ownership is submitted, it will not be returned.
Once you’ve gathered all of the required documents and receipts, mail your New York Salvage Examination/Title Application to the Auto Theft & Salvage Unit to set up an appointment for the inspection. The Division of Field Investigation will notify you of the date, time, and address of your appointment.
If you’re using the MV907A form, you must complete the salvage inspection process in order to obtain a title. New York’s laws regarding salvage title inspections are so strict, that other states include in their statutes that if someone has an MV907A from New York, no other state can do anything about it. The only way to get a title for a vehicle if it’s been issued an MV907A in New York is to go through the salvage inspection process in the state. This form does not transfer to any of the other 50 states and if it’s received by another state DMV, they are not permitted to do anything with it.
Even though New York is notorious for strict salvage vehicle inspection laws, they still provide the ability to get a title for a salvage vehicle. If you’re looking to purchase a salvage vehicle, make sure to do your research and homework on the vehicle before making your decision.
Looking for assistance with your salvage vehicle? Our partners at JunkTitle.com can help you get a title for a salvage vehicle.
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