Lost Your Car Title? Here’s What To Do

If you can’t find the title to your car, the solution is to request a duplicate (replacement) title from your state’s motor vehicle agency; most states let you apply online, by mail, or in person, and you’ll need proof of identity, basic vehicle details (like VIN), and a small fee. In practice, you should first confirm whether a lienholder or your state’s electronic title system is holding the title, then follow your state’s replacement process; expect processing to take from same-day service in some locations up to several weeks, depending on the state and whether you choose expedited options.

How to Replace a Lost Title in the U.S.

While details vary by state, the replacement title process generally follows a predictable path. The steps below help you verify who currently holds the title and how to request a certified duplicate legally and efficiently.

1. Confirm title status and liens: Check if there’s a loan on the vehicle; if so, the lienholder often holds or controls the title until the lien is released.
2. Locate your state’s official portal: Search for “[Your State] DMV duplicate title” or visit your state’s Department of Motor Vehicles (or equivalent) website to find the exact form and instructions.
3. Gather required information: You’ll typically need your driver’s license or ID, the Vehicle Identification Number (VIN), plate number, current mileage, and your address.
4. Complete the application: Fill out the duplicate/replacement title form exactly as your name appears on record. Some states require notarization or a signature under penalty of perjury.
5. Address liens and name changes: Include a lien release if the loan is paid off, and supply legal documents if your name has changed (e.g., marriage certificate, court order).
6. Submit and pay the fee: File online, by mail, or in person. Some states offer same-day issuance at regional service centers; others mail titles within 1–8 weeks.
7. Choose paper or electronic: States with electronic titles may let you keep it electronic, convert it to paper, or request a certified copy.

Once the request is accepted, the agency issues a certified replacement, which becomes the legal title of record; previous lost titles are typically voided to prevent fraud.

What You’ll Need

Preparing documentation up front reduces delays, especially in states that require notarized signatures or proof that any lien has been satisfied.

• Government-issued photo ID (name must match the vehicle record)
• VIN, license plate number, and current odometer reading
• Completed duplicate/replacement title application (state-specific form)
• Lien release letter or electronic lien satisfaction (if applicable)
• Proof of address, if required by your state
• Legal documents for name changes or ownership changes (marriage certificate, court order, probate documents)
• Payment for applicable fees and optional expedited service

If anything on your record has changed—like your name or address—include the supporting documents with your application to avoid rejection.

If There’s a Lien or Loan

When a vehicle is financed, the lienholder often controls the title until the loan is paid. The process differs depending on whether the loan is active or satisfied.

• Active lien: Contact the lender; many states prohibit issuing a replacement title to the owner until the lienholder authorizes it or requests it directly.
• Paid-off loan: Obtain an official lien release (paper or electronic). Your DMV may then issue a lien-free title in your name.
• Electronic lien/title (ELT): The lender may hold the electronic record; after payoff, they update the system and you can request a paper title if desired.

Always verify the lien status on your DMV record before applying; missing lien releases are a common reason applications are delayed.

Electronic Titles: You May Not Need Paper

Several states now default to electronic titles, especially when an electronic lien is recorded. Owners can often keep the title electronic for everyday use and only request a paper copy when selling, moving out of state, or as a personal preference.

• States with broad e-title support (e.g., Florida, Ohio, Arizona, and others) let owners hold titles electronically and convert to paper on request.
• Electronic lien and title (ELT) programs mean lienholders manage title status digitally; after payoff, you can request a paper title or leave it electronic where allowed.
• Paper is still common in many states; check your DMV’s current options, as programs continue to expand.

If your state holds an electronic title, you may not have “lost” anything—your record exists in the system and can be converted or certified as needed.

Buying or Selling When the Title Is Missing

If you’re the owner looking to sell

In most states, you cannot lawfully complete a private-party sale without a properly assigned title. Secure a duplicate title before listing the vehicle or accepting payment.

• Apply for a duplicate title in your name first; do not sign a bill of sale promising future title delivery without a clear timeline.
• If records are incomplete (e.g., older vehicles or missing chain of ownership), your state may require a bonded title or additional inspections.
• Avoid “quick fixes” that skip title transfer; they can expose you to liability, taxes, or accusations of title jumping.

Getting the title in order before the sale protects both parties and prevents rejected registrations or later disputes.

If you’re a buyer and the seller can’t find the title

Proceed cautiously; the absence of a title can signal liens, theft, or administrative issues that will block registration.

• Require the seller to obtain a duplicate title before payment; set a reasonable deadline and confirm their identity matches the record.
• Check the vehicle’s status via a reputable title-history service (e.g., NMVTIS-based reports) and verify VIN on the car matches all documents.
• Use a written purchase agreement that conditions full payment on receiving a valid, signed title.
• Be wary of offers to use only a bill of sale; in most states, a title is mandatory for transfer.

If the seller refuses to secure a duplicate title, consider walking away; resolving title defects after purchase can be time-consuming and costly.

Special Situations

Certain scenarios require extra steps or specific forms; knowing the category your situation falls into helps you choose the correct path.

• Inherited vehicles: Probate or small-estate affidavits may be required; the estate’s representative usually applies for a title in the heir’s name before any sale.
• Out-of-state vehicles: You may need an out-of-state title verification, VIN inspection, or to obtain a duplicate from the originating state first.
• Name changes or mismatches: Provide legal proof of the name change; signatures must match the record or include supporting documentation.
• Bonded titles: If ownership evidence is incomplete, many states allow a surety bond (often 1.5–2x vehicle value) to secure a title after inspections and waiting periods.
• Salvage or rebuilt: Additional inspections and branded titles apply; ensure you follow your state’s salvage/rebuilt certification process before requesting a replacement.
• Abandoned or impounded: These typically require law enforcement or court processes; private buyers generally can’t self-title abandoned vehicles without statutory procedures.

Each of these paths has strict documentation rules; review your state’s exact checklist to avoid rejections and repeat trips.

Cost, Timing, and Expedited Options

Fees and timelines vary widely across states and even by service center. Understanding the typical ranges helps you plan and spot legitimate “rush” options.

• Fees: Replacement title fees commonly range from a modest charge to several dozen dollars; separate mailing or convenience fees may apply for online service.
• Timing: Processing can be same day at regional centers in some states; by mail or standard online requests often take 1–8 weeks depending on volume.
• Expedited service: Many states offer expedited processing or shipping for an additional fee; availability varies by location and eligibility.

Check your state’s current fee schedule and processing times before you apply, especially if you need the title quickly for a pending sale or move.

How to Check Title Status and Avoid Fraud

Before spending time and money, verify the vehicle’s legal status and ensure the record is clear of surprises that could block your application or a future sale.

• Run a title-history report from a provider that sources from the National Motor Vehicle Title Information System (NMVTIS).
• Confirm the VIN on the dashboard and door jamb matches all paperwork and the DMV record.
• Look for active liens, theft records, salvage/brand history, and odometer discrepancies.
• Beware of anyone offering to “get you a title” quickly without documentation; this can involve illegal title jumping or forged paperwork.

Early verification protects you from paying fees on a vehicle that can’t be titled cleanly—or from becoming a victim of fraud.

Where to Get Official Instructions

Because rules change, always consult your state’s official motor vehicle agency for the latest forms, fees, and procedures.

• Search: “[State] DMV duplicate title” (or “Department of Revenue,” “Bureau of Motor Vehicles,” or “Motor Vehicle Division,” depending on your state).
• Look for options like “Duplicate Title,” “Replacement Title,” or “Certified Copy of Title.”
• Confirm whether online, by-mail, and in-person options are available, and note any notarization requirements.

Using the official site helps you avoid outdated instructions and third-party fees that aren’t required.

Summary

If you can’t find your car title, request a duplicate from your state’s motor vehicle agency after confirming lien status and whether your title is held electronically. Gather ID, the VIN, and any lien release, complete the correct form, and submit with the fee via the channel your state supports. Don’t buy or sell without a proper title; if records are incomplete, ask about bonded titles or special procedures. Check official state guidance for the latest fees and timelines, and use NMVTIS-based reports to confirm the vehicle’s history before proceeding.

What if I lost my car title in Nevada?

To get a duplicate title in Nevada, fill out the Application for Duplicate Nevada Certificate of Title (VP 012) form and submit it to the Nevada Department of Motor Vehicles (DMV) either in person or by mail, with the required fees. The form requires vehicle information, owner details, and a signature witnessed by a notary or DMV technician. You can also use the Rapid Registration service to apply online.
 
Steps to get a duplicate title:

1. Complete the application form: Download and fill out the Application for Duplicate Nevada Certificate of Title (Form VP 012). 
2. Gather required information: You will need the vehicle’s year, make, model, VIN, and Nevada license plate number. You’ll also need the owner’s name, Nevada address, and driver’s license number or birthdate for verification. 
3. Sign and have it notarized: Sign the form in the presence of a notary public or a Nevada DMV technician. 
4. Submit the application: You can submit the completed form by mail or in person at a DMV office. 
5. Pay the fees: Pay the required fees for the duplicate title and any optional expedited services. 

Important Considerations:

• Lienholders: If there is an outstanding loan or lease on the vehicle, you must contact the lienholder for a lien release before applying for a duplicate title. 
• Out-of-State Titles: If the vehicle is currently titled in another state, even if it has Nevada plates, you must obtain the duplicate title from that state. 
• Mailing: Your duplicate title will be mailed to you and will not be issued at a DMV field office. 

How much is a lost title in Indiana?

The cost of a lost title in Indiana is $15, which is the fee for the Application for Certificate of Title for a Vehicle (State Form 205). You’ll also need to submit this completed form, an unexpired photo ID, and a payment for the $15 fee to the Indiana Bureau of Motor Vehicles (BMV). 
How to Replace a Lost Indiana Title 

1. Complete the form: Fill out the Application for Certificate of Title For A Vehicle (State Form 205).
2. Gather your ID: You will need an unexpired photo ID.
3. Make a payment: Prepare a check, cashier’s check, or money order payable to the BMV for the $15 fee.
4. Submit the application: Mail the completed application, photo ID, and payment to the BMV.

How do I get a copy of my car title in Montana?

To file for a lost title in Montana, complete Vehicle Title Replacement Application Form MV7 and submit it with the required fee to a local County Treasurer’s office or by mail to the Vehicle Services Bureau. You may need to provide proof of ownership, such as a copy of the original title or bill of sale, and if applicable, the fee includes a 3% administration fee and other taxes may be due upon registration. 
Here are the detailed steps to file for a lost title in Montana:

1. Obtain the Application Form: Download the Vehicle Title Replacement Application (Form MV7) from the Montana Motor Vehicle Division website or your local County Treasurer’s office. 
2. Complete the Application: Fill out the form with accurate information about the vehicle and yourself. 
3. Provide Proof of Ownership: You’ll need to demonstrate your ownership of the vehicle. This could be a copy of the original title, a bill of sale, or another document that proves your ownership. 
4. Submit the Application and Fee:
   • In-person: Visit your local County Treasurer’s office to submit the completed application and pay the fee. 
   • By Mail: You can mail the application and fee to the Vehicle Services Bureau at the address provided on the form or on their website. 
5. Pay the Fee: The fee for a duplicate title is $10.30 for most vehicles, which includes a 3% administration fee. Additional fees and taxes will be due when you register the vehicle. 
6. Receive Your Duplicate Title: Once your application is processed, you will be issued a replacement title. 

Important Considerations:

• Lienholders: If there is a security interest or lien on the vehicle, you will need to include a copy of that agreement and the fee to process the request. 
• Lost or Stolen: If the title was lost or stolen, report it to the local law enforcement agency first. 
• Business Entity: If the application is being signed on behalf of a business, you must have the proper authority to do so. 

How much is it for a lost title in Oregon?

The fee for an Oregon lost title replacement is $77, plus any applicable sales tax, for most passenger vehicles and trucks that are 2000 or newer with 20-39 combined MPG. Other vehicle types and MPG ratings have different fees, for example, a light trailer costs $101, and a vehicle with no MPG rating is $101. To find the exact fee for your specific vehicle, you should use the fee calculator on the Oregon DMV website. 
Fees for Passenger Vehicles and Trucks

• $77: for most newer vehicles with moderate MPG, such as a vehicle rated 20-39 combined MPG. 
• $101: for vehicles with no MPG rating or a combined MPG of 0-19 MPG. 
• $106: for 1999 or older vehicles, or 2000 or newer vehicles with 20-39 combined MPG. 
• $116: for vehicles with a combined MPG of 40 MPG or higher. 
• $192: for electric vehicles. 

Fees for Other Vehicle Types 

• $101: for light trailers, travel trailers, motorcycles, mopeds, motor homes, buses, campers, park model RVs, or ATVs.
• $90: for heavy vehicles.
• $27: for a salvage title.

To Calculate Your Fee 

1. Go to the Oregon DMV website.
2. Use the online fee calculator to determine the exact cost for your specific vehicle.

What You Need to Do 

1. Complete the Application for Replacement Title (Form 735-515): or use Form 735-226, marking the box indicating the title was lost.
2. Submit: the application with the required fee.
3. Ensure: all owners on the title have signed the application.