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Buying or inheriting a motorcycle without a title can feel like you’re stuck with an expensive lawn ornament. Whether it’s a vintage barn find, a project bike, or a secondhand deal, lacking proper documentation doesn’t have to kill your riding dreams. The good news? There are ways to obtain a title and get your motorcycle registered.
How to Title a Motorcycle Without a Title
Each year, thousands of motorcycles are reported sold without titles, creating headaches for new owners, according to the National Automobile Dealers Association. The process of titling a motorcycle without a title varies by state, but typically involves these essential steps:
Verify the Motorcycle's History
Check the VIN: Ensure the Vehicle Identification Number (VIN) is intact and unaltered.
Conduct a VIN Check: Use services like the National Insurance Crime Bureau (NICB) to confirm the bike isn’t stolen or salvaged, according to NICB.
Gather Proof of Ownership
Obtain a detailed bill of sale and any old paperwork—this will be your first line of defense if your ownership is questioned.
Contact the Previous Owner
Their cooperation can be the quickest way to secure a duplicate title
Consult Your State's DMM
Requirements vary dramatically from state to state, so always verify local laws, according to AAA.
Apply for a Bonded Title
A bonded title is often your best option if proof of ownership is limited. This involves purchasing a surety bond equal to 1.5 times the vehicle’s value, then applying for a title, according to DMV.org.
Getting a Title for a Motorcycle Without One
Here’s the harsh reality: if you ride a motorcycle without a title and get pulled over, it could be impounded on the spot, according to the Motorcycle Legal Foundation. But don’t worry—here’s what you can do:
Explore State-Specific Procedures
For instance, Vermont allows registration of older motorcycles without titles, and you can transfer that registration to your home state, according to Vermont DMV.Use a Professional Title Service
Companies like Dirt Legal specialize in helping people title untitled motorcycles to be compliant, saving you time and headaches.
How to Get a Title for a Motorcycle Without a Title
Why is it important? Because riding a bike without a title can void your insurance coverage, leaving you personally liable for thousands in damages if you crash, according to Progressive Insurance.
Follow these steps to secure your title:
Verify the VIN.
Gather documents
Reach out to the previous owner.
Visit your DMV.
Consider a bonded title if necessary.
How to Title a Motorcycle Without a Title
Bottom line: while it may seem intimidating, it’s possible to title a motorcycle without a title, as long as you follow your state’s process, according to Kelley Blue Book. By doing your homework and assembling your documents, you can get your motorcycle road-ready and enjoy the freedom of riding without worry.
Frequently Asked Questions (FAQ)
Can you register a motorcycle without a title?
Yes—some states allow you to register motorcycles without a title under certain conditions, like Vermont’s loophole for older bikes, according to Vermont DMV. However, registration alone doesn’t always prove ownership, so getting a title is still recommended.
How much does it cost to get a bonded title for a motorcycle?
The cost of a surety bond typically ranges from $100 to $300, depending on the motorcycle’s value and your credit score, according to SuretyBonds.com. Additional DMV fees may apply.
What should I do if the motorcycle I bought has a missing or damaged VIN?
You should contact your state DMV immediately. Many states require a VIN inspection or assignment of a new VIN plate in these cases, according to DMV.org. Riding or titling a motorcycle with an altered VIN can result in criminal charges.
How long does it take to get a title for a motorcycle without one?
Processing times vary by state and method. A bonded title can take anywhere from 4 to 12 weeks, depending on paperwork and DMV backlog, according to Dirt Legal.
Do I need insurance before titling a motorcycle?
In most states, you don’t need insurance to get a title, but you will need it to register and be able to ride your motorcycle, according to Progressive Insurance. Check your state’s requirements to avoid surprises.
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