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Lost Title Bond

Lost Title Bonds, also known as Defective Title Bonds, Vehicle Title Bonds, and Certificate of Title Bonds, allow vehicle owners to claim ownership and register vehicles with lost, stolen, or missing titles.

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What is a Lost Title Bond?

Lost title bonds enable individuals to register vehicles without titles. When people have receipts for their purchase but do not hold the physical title, they can get a surety bond to claim ownership and register their vehicles. A lost title bond enables you to get a bonded title from your state’s motor vehicle department, which lasts for three years in most states. After this period, the bonded title converts into the regular one. 

A lost title bond is meant to protect owners in case their vehicles get stolen. It works as a guarantee that the real owner will not suffer a financial loss because you purchased and registered the vehicle in your name. Anyone who can prove legitimate ownership interest in the vehicle can fill the claim against the bond. If the claim proves to be valid, a surety who issued the bond requires the current owner to pay out the expenses.

A lost title bond works like any other type of surety bond. The surety issues the bond to the person who doesn’t have a title for the vehicle. If a claim is made against the bond and proves to be valid, the surety covers all the expenses and then collects the reimbursement from the person who holds the bond. In some cases, the vehicle also must be returned to its rightful owner.

Bonding Solutions | Lost Title Bond
Bonding Solutions | Lost Title Bond
Bonding Solutions | Lost Title Bond

How much will my bond cost?

The cost of a lost title bond varies based on state requirements and the particular vehicle’s current value. For moderately inexpensive vehicles, surety companies offer flat rates that can range between $100 and $250. On the other hand, sureties might require an annual premium for pricier vehicles. Lost title bond premium costs usually depend on the applicant’s credit and can range somewhere between 1% and 3% of the total bond amount. 

Why are lost title bonds required?

A lost title surety bond is required by a state’s Department of Motor Vehicles (DMV) when the ownership information on a vehicle title doesn’t match the party claiming ownership or the title is missing. The bond is meant to protect the rightful owner and cover all the potential financial losses. 

The following situations might require a lost title bond: 

  • The original car title is lost or stolen. 
  • The vehicle is too old to have a title.
  • A person received only a receipt or a bill of sale but not a title. 
  • A person received an improperly assigned or damaged title. 

How do I get started?

Lost title bonds are simple to obtain when working with Bonding Solutions. Our easy online application makes the approval process quick and easy! If you have further questions about obtaining a lost title bond, our team is always on standby ready to help at a moment’s notice.

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