In this series-Types of Auto Titles, I'll discuss and examine the names of different types of auto titles. Likewise the processing mechanisms of these titles will be discussed in the next segment, but for now; I'll stick to the names only.
In this segment, I'll cover the different names of auto titles and the purpose or reasoning for naming different auto titles in the first place.
1. Original Title-is a title that has been created or established for the very first time for the owner/s on record.
2. Substitute Title-is a title in which a change has taken place regarding the owner and or the vehicle. Common changes are the name change of the owner/s on record, odometer, VIN corrections, removing a lien, etc.
3. Supplemental/Transfer of Lien Title-is when a lien is being added to a title record or a lien is being transferred on the title record.
4. Replacement Title-is a title that is rendered when the original or prior title on record is lost, stolen or mutilated.
Next, the purpose for classifying auto titles with different names; all has to do with the title record for DMV purposes. In essence, DMV keeps track of what occurs during the life of an auto title, while the vehicle is titled to its owner/s. For example, if someone goes to the DMV and obtain a title because they lost a prior title; they'll apply for a replacement title.
On a final note, you can tell the type of title you have based on the description shown on your title. Normally you'll see at the top of the title words such as Original, Replacement, etc. and there is an accompanying date which shows when the title was created or rendered. Helpful Tip: When applying for a title, please be advised that the current title will always cancel any title that was issued before it. So if you lost a title, but happen to find the original one after the duplicate title was issued, you won't be able to use the first one.
In this post, I feel the need to mention a part of auto titling that many companies and individuals don't know exist. The area that is unknown to many is the area of auto title services. I like to equate the area of auto title services as the DMV alternative; which I'll elaborate on shortly. In this post, I will provide insight on what an auto title service or title and tag agency is, the types of auto title services available, benefits of using such services and your expected outcome of using an auto title service.
An auto title service; essentially allows the individual or business to get their title and or registration needs met without having to step foot into the DMV. An auto title service allows those utilizing its service to avoid DMV visits, long lines and renown DMV wait time.
Registration & Plate Issuance Only: This type of service is more like a registration and plate agency only;rather than an auto title service. For example titles aren't processed and issued. Registrations, plates, decals and in some cases temp tags are issued.
Title & Registration Issuance: This is a service that provides titles and registrations; however the types of titles and or registrations that are provided may be limited.
Full Service Title & Tag Issuance: This type of service provides registrations, other types of basic titles in addition to original titles, such as replacements, substitutes, lien recordings, etc. Also title and vehicle record searches are done as well.
Specialty Title Service: This kind of service usually focus on one or m ore of the following titling matters such as salvage, bonded, abandoned, mechanic/storage/tow lien, improper titles, etc.
It is important to note that with the four types of auto title services that were just mentioned; that a title company can sometimes be a full service and a specialty title service at the same time, while most title companies though will be in only one of the four areas.
Some title services can prevent you from facing DMV rejection by addressing title and tag errors with your paperwork.
Can get title and or registration transactions done quickly on your behalf than if you would've tried to get done on your own.
A sense of peace, trust and assurance with the company who assisted you with your transaction.
Your transaction should be done accurately and free of errors. In the event an error is present is present, the auto title service should address the matter promptly and make the necessary accommodations.
In closing Wisdom & Authority Title Solutions LLC is a full service title and tag as well as a specialty title service. We are honored to bring 40+ years of combined DMV title experience to our clients. We don't cut corners and believe that the title and registration experience should be done right and done right the first time, while allowing our clients to enjoy an experience that is filled with ease and free from DMV jargon.
The DMV made a mistake on your auto title? While the DMV may not be quick to acknowledge that they made an error on your title; there is the high possibility that they could've made an error due to the realm of clerical errors and omissions. Before you march to the DMV demanding a change; read this post first! In some of my other postings, I've highlighted auto title errors that are usually made by individuals (buyers, sellers, dealers, etc.), however the focus here will be on the DMV making errors on auto titles. With that in mind, I will address the following matters in this post: Types of errors that the DMV make on auto titles, tips for preventing and spotting DMV errors, actions to take regarding DMV title errors.
Vehicle Data: (Year, Make, Model, Body,VIN)-The VIN is the most common; usually it's typed wrong completely, missing a few digits, one digit, etc.
Wrong Lienholder Code and or Lienholder Address-Lienholders have their own code or ID with DMV, thus when the wrong code is keyed and or the wrong address; this can cause the wrong lienholder to receive the title.
Time is the main tip in preventing and spotting DMV errors is to check your title and or registration before leaving the DMV or when receiving it in the mail. Doing this immediately is key, because the data is still fresh (same day-a few weeks old) and the DMV will be able to change the information quickly. However, should you wait to look over your credentials; there could be a delay regarding the need for a correction.
Another act of prevention is to make copies of your title and paperwork beforehand, that way if an error occurs; you can cross-reference it with what DMV has.
Be sure that the error is DMV's and not your own, the seller's, dealer's, etc. Note: which is why it is important to keep copies of the title and documentation before submitting it.
Have available copies/records of available for the error in question.
Be prepared to research the matter through records and paper trails if you don't have the available proof at hand. Note: this can be very tedious and confusing if you don't know where to start and don't understand the vehicle title process.
It is important to address the error earlier on, rather than later in such cases when you decide to sell the vehicle and you try to get the matter rectified before selling the vehicle (this will hold up your possible transaction with the other party)!!
Received a jumped auto title? At least that's what DMV told you and is the reason why they rejected your transaction. Skipped titles, jumped titles, flipped titles are all the same, and create problems with auto titles. If you aren't aware of what a jumped title is or perhaps you need more insight; this post is for you. A jumped auto title takes shape in one of two ways: A. there is no title present, but the vehicle in question is passed along from person to person, or B. there is a title present; it just hasn't been transferred properly. Also in this case, multiple parties have signed and passed the title along from person to person as well. In essence a jumped auto title is when proper and legal ownership of the vehicle hasn't taken place. In this post, I will share examples of jumping auto titles, discuss why jumping auto titles is illegal and how to avoid being a victim of a jumped auto title problem.
Someone buying a vehicle with a title transferred to them. The individual decides not to keep the vehicle go through the process of getting the title transferred into their name, but instead will give the title and vehicle to someone else.
The owner of a vehicle sells the vehicle to someone without providing them with a title; that person in turn may sell the vehicle to someone else and so on.
Multiple sections or reassignments on the title are completed. Note: only legitimate dealers/auctions are allowed to "reassign" and complete the dealer sections on the title.
Municipalities are cheated out of sales tax or personal property tax that would be due on the vehicle. Note: People oftentimes jump titles to get out of paying sales tax.
Imperative vehicle data can be delayed or stopped from being submitted to the motor vehicle database. This happens because the most recent title or vehicle information isn't being updated and can't be conveyed properly, due to jumping auto titles.
Don't buy a vehicle without a title (regardless of the seller's excuses or how good of a deal you believe you are getting)!!
Ask to see a valid I.D. of the individual selling you the vehicle. If buying from a dealer; ensure that they can provide you with a valid dealer number for your records.
To sum it all up, there is only one legitimate reason why you shouldn't receive a title when buying a vehicle, and that is if you are getting the vehicle financed-THERE IS A LIEN ON IT. If you owe the lienholder (whether an individual, dealer, or financial institution) money on the vehicle, they aren't obligated to give you a title, until you satisfy the payment agreement. To prevent title delays as well as potential financial loss later; it is wise to ensure that you are receiving a properly assigned title from the very beginning.
Wisdom & Authority Title Solutions LLC, is the vehicle title expert in basic and complicated title matters.