[MS] I need to get my totaled RV registered in my name in order to receive insurance payout, but I don’t have the original title. What can I do?
I bought a camper in Mississippi from a relative, we can't locate the title, and he never registered the RV. The camper was totaled during a tropical storm and has been declared a total loss by my insurance company. I need to get the RV registered in my name in order for the insurance to payout. What do I need to do? I do have the bill of sale.
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A bonded title is definitely the way to go when you can't get a regular title.
Basically, a bonded title is a way for you to prove ownership of the camper when the original title is missing or defective. It involves purchasing a surety bond, which is like an insurance policy that protects previous owners or lienholders if someone else claims the vehicle.
To get a bonded title, you typically need:
- An application
- Your bill of sale
- Any proof of ownership (your copy of the title helps a LOT)
- A surety bond from a bonding company
Once approved, the state will issue you a bonded title. After a certain time period (usually a few years), if no claims arise, you can request a regular title.
Since the camper was totaled and your insurance company needs the title to process the payout, getting the bonded title will be crucial.
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I bought a camper in Mississippi from a relative, we can't locate the title, and he never registered the RV. The camper was totaled during a tropical storm and has been declared a total loss by my insurance company. I need to get the RV registered in my name in order for the insurance to payout. What do I need to do? I do have the bill of sale.
Lexi, Chatbot
I'm sorry to hear about the situation with your camper. Do you have any documentation from when you purchased the camper, besides the bill of sale?
No I don't.
Lexi, Chatbot
Have you tried contacting the Mississippi Department of Revenue or the local DMV to inquire about the process for obtaining a duplicate title or transferring ownership without the original title?
I have they are saying that I need to do a title search.
Lexi, Chatbot
Is there anything else the Consumer Protection Lawyer should know before I connect you? Rest assured they’ll be able to help with obtaining a duplicate title for your camper.
I do have the copy of the title, but the original owner never received the real title.
TJ, Esq.
Hello! My name is TJ and I’m an attorney. Thanks so much for the opportunity to assist you! I reviewed what you wrote and I’m about to post my initial answer.
TJ, Esq.
I am so sorry to hear about your camper being totaled, especially since it sounds like you are having trouble getting your insurance payout. Since the original title was never received, getting it registered in your name is a bit more complicated, but it is certainly something you can work through with the proper steps. Your bill of sale and copy of the title will be very helpful in showing proof of ownership for the title search process.
Let's discuss this in more detail.
QUESTIONS FOR YOU:
Is the relative who sold you the camper able to assist you with the title search or provide any further information?
Do you have any communication from the Mississippi Department of Revenue about the title search process and what they require?
Question 1) Yes, the relative will be able to assist me with any information needed.
Question 2) I don't have anything from the State of Mississippi. They commended I do bonded title.
TJ, Esq.
Thanks for getting back to me and clarifying that your relative can help. That's really good news because their assistance will be key in getting this sorted out. Also, the suggestion from the state about a bonded title is something we should definitely explore.
Regarding the bonded title, do you know if the Mississippi Department of Revenue gave you any specific forms or instructions on how to apply for one?
They didn't give anything, they were pretty much useless helping.
TJ, Esq.
A bonded title is definitely the way to go when you can't get a regular title.
Basically, a bonded title is a way for you to prove ownership of the camper when the original title is missing or defective. It involves purchasing a surety bond, which is like an insurance policy that protects previous owners or lienholders if someone else claims the vehicle.
To get a bonded title, you typically need:
- An application
- Your bill of sale
- Any proof of ownership (your copy of the title helps a LOT)
- A surety bond from a bonding company
Once approved, the state will issue you a bonded title. After a certain time period (usually a few years), if no claims arise, you can request a regular title.
Since the camper was totaled and your insurance company needs the title to process the payout, getting the bonded title will be crucial.
I think that answers my question. I have a local title company that will help the process bonded title.
TJ, Esq.
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