How to Replace a Lost Car Title

Dealing with a lost car title can be stressful, but it’s within your best interest to address the issue promptly. A car title is a vital document that proves that you own your vehicle, so getting a replacement can be important for various legal and practical reasons. While the process will vary by state, this guide can help walk you through the general process of replacing a lost car title and what circumstances may obstruct you from receiving a replacement.  

What is a car title and why is it important?

A car title is a legal document that shows that you own a vehicle. If you own your car outright, the document typically will have your full name. It may also contain the vehicle identification number (VIN), make, model, and year of the car. There are typically different types of car titles including:

• Clean title: This document indicates that the car has never been deemed a total loss before.  
• Salvage title: This is given to vehicles that have been declared a total loss but have not been repaired yet.  
• Rebuilt title: This document is issued for severely damaged vehicles that have been repaired, inspected, and meet the requirements to be driven again.

Having an up-to-date car title is important for drivers on the road, but it can also be practical to have it in certain situations. If you need to sell your car or prove ownership in case of theft or disputes, keeping an updated car title can help you navigate these situations more efficiently.  

Steps to replace a lost car title

Step 1: Gather info  

If you have a missing car title, you may want to start gathering information that can help you get a replacement. Needs may vary based on state, but some necessary info can include:

• Vehicle identification number (VIN): This unique code identifies your vehicle. If you can’t find it, you can try looking at your insurance policy or car registration.  
• Car details: You may need the year, make and model of your vehicle.  
• License plate number: Your vehicle's registration number can be important for getting a replacement car title.  
• Personal identification: A driver's license or passport is important to prove your identity.
• Proof of ownership: If available, an old registration or bill of sale may help with a missing car title case.
• Odometer reading: Some states may want the current mileage of your car.  
• Lienholder information: If your vehicle is financed, you will likely have to provide lienholder details. Some states may also need the lienholder’s signature to give you a replacement title.  

Step 2: Contact your state’s motor vehicle registration authority

After collecting information, you can reach out to your state’s motor vehicle registration authority. Each state has its own procedures to get a car title replacement, so check for a website for direct instructions. Many states now offer an online application process, which can make it easier to request a duplicate title remotely.  

Step 3: Fill out the application for duplicate title

Once you have the necessary information, you can locate the application form for a duplicate title. This form is typically available on the website or can be obtained in person at your local office. You can fill it out, sign it, and get it notarized if your state requires it.  

Step 4: Pay the required fee

Some states may charge a fee for replacing a lost car title. The cost can vary significantly, with certain states like California charging $27 to Illinois charging $50. You can check your state’s applicable website for the exact fee and accepted payment methods.

Step 5: Submit your application

After filling out the application and gathering required documents, it’s time to submit your application. Depending on your state, you may have several options:

• Online: You may be able to submit your application electronically through a website.
• Mail: You can send your application and documents via postal service.
• In-person: You can visit your local motor vehicle registration office to submit the application directly.

Step 6: Wait for processing

After submitting your application, you’ll need to wait for it to be processed. Processing can vary by state for a duplicate title, but they typically require thirty days. During this time, you may be able to track your application status through the website.

What to do for special circumstances

Financed cars

If your vehicle is financed, the lienholder may have the title. In this case, you can contact the lienholder for guidance on getting a duplicate title. In some states, you may need the financial institution’s signature before submitting the replacement application. If you don’t know if your state needs the signature or consent of the lienholder, check the website for your state’s requirements.  

Title without your name

If the title was lost before you were able to transfer the vehicle to your name, there’s still a way you can obtain a replacement title. You may want to start by contacting the prior vehicle owner and ask them to submit a replacement request. Certain states may also allow you to get a duplicate through a court order. For this process, you would have to appear in court and let a judge decide if you have rightful vehicle ownership.  

Car title lost in another state

If you lost the title while in another state, you can contact the applicable authority in the state where your vehicle is registered. Though you may have lost your title in a different state, you can follow the normal steps provided above to apply for a car title replacement.  

Stolen title

If your title has been stolen, it may be crucial to report it to the police. Once reported, you can follow the steps above to apply for a replacement title.  

Applying for a duplicate may seem daunting, but by understanding how to replace a lost car title, you can navigate the process more efficiently. If you want a personalized auto insurance quote, you can call Infinity Insurance Agency, Inc. at 1-855-478-3705.