Frequently Asked Questions
What is a bonded title?
A bonded title is a vehicle title issued when the original title is lost, missing, or was never properly transferred. It requires purchasing a surety bond — typically 1.5 times the vehicle’s appraised value — and filing it with your state DMV. After a set period (usually 3 years), the bond expires and you receive a clean title.
When do I need a bonded title?
You may need a bonded title if:
- You bought a vehicle without a title from a private seller
- The title was lost and cannot be replaced through normal channels
- You inherited a vehicle with missing paperwork
- You purchased from an estate or auction without proper title transfer
How is the bond amount calculated?
In most states, the bond amount is 1.5 times the vehicle’s current market value, determined by NADA, Kelley Blue Book, or a state-approved appraisal. Our guides include the exact formula for your state.
How long does a bonded title last?
Most states require the bond to remain in effect for 3 years. After that period, if no valid claims are made against the bond, you receive a standard clean title.
Can I sell a vehicle with a bonded title?
Yes, in most states you can sell a vehicle with a bonded title. The buyer should be informed that it is a bonded title, and the bond obligation may transfer with the vehicle. Check your state’s specific rules in your guide.
Do I need an attorney?
No. The bonded title process is designed to be completed by vehicle owners directly with the DMV. Our guides walk you through every step. However, if your situation involves disputed ownership or legal complications, consulting an attorney may be advisable.
What states don’t offer bonded titles?
A small number of states, including Delaware and North Dakota, do not offer a traditional bonded title process. In these states, a court order is typically required. Our guides for these states explain the alternative process.
How quickly will I receive my guide after purchase?
Instantly. All guides are delivered as a PDF download immediately after purchase through Gumroad.