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Florida Lost Title? How To Get A Florida Bonded Title

By Crystal Ignatowski on Jun 14, 2017 1:39:00 AM in

Lost Title Bonds

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Do you have a car in Florida, but no title? Maybe you purchased a vehicle, but never received the title. Or maybe you received a title, but lost it before transfering it into your name. If you have a lost title in Florida, you might be able to get a Florida Bonded Title.


Short on time? Check out our Bonded Title FAQ page


Curious how much a Florida Bonded Title would cost you? Get a free INSTANT quote here


What is a Florida Bonded Title?


A Florida Bonded Title is an option for people who have a lost title in Florida.

A bonded title is a title that has a surety bond attached to it, and is therefore marked with a "bonded" brand. A title brand is simply a permanent designation on a vehicle's title.

As of January 1, 2013 Florida requires surety bonds for those that own a vehicle without a valid certificate of title.


Purpose of a Florida Bonded Title


The purpose of a FL Bonded Title is to protect any previous owners of the vehicle and the state of Florida. 

When you get a bonded title, you are promising that you are the true owner the vehicle. 

If someone comes forward later on and says that they are the owner of the vehicle and that you should not have been granted a bonded title, they can make a claim on your bond. If the claim is determined to be valid, you will either have to return the vehicle to the rightful owner, or pay the rightful owner a fair compensation. 


Want more information about what happens if someone made a claim on your bond? Check out this resource.


When You Need a Florida Bonded Title


  • You bought a vehicle and didn’t receive a title
  • You bought a vehicle and only received a bill of sale
  • You bought a vehicle and received an improperly assigned title
  • You bought a vehicle, received, and lost the original title before transfering it into your name*

*If you had a title in your name at one point in time but simply lost it, you can get a duplicate certificate of title by completing a Form HSMV 82101 and paying the replacement title fee. More information can be found on the Florida Highway Safety and Motor Vehicle website.


Not sure if you need a FL bonded title? Check out this awesome infographic



How to get a Florida Bonded Title


Step #1: Contact DMV to make sure you are eligible

Your local DMV is the only entity that can tell you if you are eligible for a bonded title or not.

Contact your local DMV, explain your situation, and ask if you could get a bonded title.

If they say yes, move on to Step #2. 


Step #2: Complete Part A of Form HSMV 82042 - Vehicle Indentification Number and Odometer Verification


Step #3: Get vehicle inspected

Get vehicle inspected by one of the following:

  • Florida Notary Public
  • Licensed Dealer
  • Police Officer of the Florida Division of Motorist Services Employee
  • Tax Collector Employee

Have that person complete Part B of Form HSMV 82042 - Vehicle Indentification Number and Odometer Verification


Step #4: Complete Form HSMV 82026 - Affidavit to Accompany Application for Bonded Title Form


Step #5: Purchase Florida Lost Title Bond

Purchase a bond from a surety bond company. Make sure you apply for the correct bond amount.

Your bond amount should be in the amount of two times the appraised value of your vehicle. 

Need to know how much your car is worth? Florida approves Kelly Blue Book and NADA as acceptable guides for determining the value of your vehicle.


You do not need to pay the full bond amount to get bonded.

Most people only pay $100 for their bond. You only need to pay for your bond one time.


Free Florida Lost Title Bond Quotes


Before you purchase your title bond - learn important payment info



Step #6: Complete Form HSMV 82040 - Florida Application For Certificate of Title if applicable

In most cases, this form is only needed for out of state vehicles. 


Step #7: Send all paperwork to your local Florida Highway Safety and Motor Vehicle Department


Do Florida Bonded Titles Expire?


Yes. FL Bonded Titles expire 3 years from the date they are issued. If no one comes forward during those 3 years and makes a claim against your Florida Lost Title Bond, you can go back to the DMV and apply for a clear title (a title that is free of the "bonded" brand). 

If you decide to sell your vehicle before the 3 years is up, that is okay. Your name will stay attached to the title bond, though, until the 3 years is up.

For more information on how to obtain a Florida Bonded Title, visit the Florida Highway Safety and Motor Vehicles webpage.


Related Links:

Four Reasons You Might Need A Bonded Title

How To Get A Surety Bond In Florida

Bonded Titles FAQ