So you bought a car with no title and now you want to get a title in your name. Maybe you've been the victim of title jumping. What do you do?
If you can't get ahold of the seller, you might think you have no options left.
You aren't stuck yet. You might be able to get a bonded title.
What is a Bonded Title?
A bonded title is just a title with a "bonded" brand. It implies there is a surety bond attached to the title.
The "bonded" brand can be removed from the title in 3-5 years, and you can go apply for a clean title.
To get a bonded title, your local DMV will require you to purchase a Lost Title Bond (surety bond) as a form of insurance for them and any previous owners of the vehicle.
Further instructions are below for how the Bonded Title process works.
Car Without a Title - How to get a Bonded Title
Step #1: Check with your local DMV to make sure you are eligible
The only person who can tell you if you are eligible for a bonded title is your local DMV. Call and explain your situation. Ask if you are eligible for a bonded title. If they say yes, you can start the process to get a bonded title.
Here are step-by-step tutorials for all the states that allow for bonded titles:
If your state is not listed, it means it does not allow for bonded titles. Contact your local DMV for options on how to get a title for your vehicle.
Step #2: Purchase a Lost Title Bond
Before the DMV issues you a title, they want to ensure they are protected. This is why they make you get a surety bond.
You can apply for your surety bond online with a surety bond company.
Make sure you apply for the correct bond amount.
You only have to pay one time for your bond. Most people pay $100.
Surety Solutions, A Gallagher Company does not issue Certificate of Lost Title Bonds
Step #3: Turn your bond into the DMV
Conditions of Getting a Bonded Title
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 Lost Title Bond. If the claim is determined to be valid, the surety company would pay the person a fair amount. It would then be your responsibility to repay the surety company.
If you are the rightful owner of the vehicle, you should not have to worry about any bond claims.
Still Have Questions?
- View our interactive Bonded Title Frequently Asked Questions portal.
- Read our Bonded Title FAQ blog post.
- Ask a comment in the comment section.