The Indiana Bureau of Motor Vehicles requires a certificate of title bond when you apply for a bonded title due to missing, lost, or invalid ownership documents. The bond protects previous owners, lienholders, and future buyers from financial loss if someone else claims ownership. For more details, visit the Indiana BMV’s official site: https://www.in.gov/bmv/titles/bonded-titles/. If you plan to sell vehicles, a separate Indiana dealer bond is required.
Bonded Title Application in Indiana
Indiana lost title bond applications help vehicle owners get a bonded title when the original car title is missing, invalid, or never received. Surety Bonds Agent guides you through the process to prove ownership and register your vehicle in Indiana.
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What Is a Bonded Title?
A bonded title is a legal document issued by the Indiana Bureau of Motor Vehicles (BMV) that proves you are the vehicle owner when the original title is lost, stolen, or defective. Customers needing a bonded title often bought a car without a proper title, received an altered or illegible title, or lost the title before registration. The bond protects prior owners and lienholders if a dispute arises. Indiana requires a certificate of title bond only in certain ownership-defect situations.
What Is an Indiana Certificate of Title Bond?
How Does a Title Bond Work in Indiana?
A title bond guarantees that you are the rightful owner of the vehicle. If a prior owner or lienholder files a valid claim during the bond term, the surety company pays the claim and seeks reimbursement from you. The bond protects others, not the applicant. After the bond term ends without claims, the bonded title converts to a regular Indiana title.
Certificate of Title Application Process
To get a certificate of title bond in Indiana, start by gathering all available ownership documents, such as a bill of sale or registration. Complete the Indiana BMV’s Application for Certificate of Title for a Vehicle – State Form 205. Obtain a vehicle appraisal or use the BMV’s valuation method to determine the bond amount. Apply for your surety bond through Surety Bonds Agent online or by phone. Once you receive your bond, submit it with your application and supporting documents to the Indiana BMV. The BMV reviews your paperwork and, if approved, issues a bonded title.
How Long Does it Take to Get a Bonded Title in Indiana?
Most Indiana lost title bonds are issued within 24 hours after application and payment. The full bonded title process, including BMV review and approval, usually takes two to four weeks, depending on document completeness and BMV workload.
costs
How Much Does a Title Bond Cost in Indiana?
The cost of an Indiana lost title bond depends on the vehicle’s appraised value and the bond amount set by the BMV. Indiana usually requires a bond for 1.5 times the vehicle’s value. Surety Bonds Agent offers competitive rates, with premiums starting as low as $100 for lower-value vehicles. Higher-value vehicles or applicants with credit issues may pay more. The premium is a one-time payment for the bond’s full term, not the entire bond amount. Most applicants qualify for instant approval and same-day issuance. The bond is nonrefundable and required before the BMV issues a bonded title.
How to Get a Bonded Title in Indiana
Step 1
Gather all available documents proving your ownership, such as a bill of sale, previous registration, or canceled check. If you have no documents, prepare a notarized affidavit explaining how you acquired the vehicle.
Step 2
Complete the Indiana Application for Certificate of Title for a Vehicle (State Form 205). You may need to provide a VIN inspection, which can be done at a BMV branch or by law enforcement.
Step 3
Obtain a vehicle appraisal or use the BMV’s valuation method to determine the current value. Indiana requires the bond amount to be 1.5 times the appraised value.
Step 4
Apply for a lost title bond through Surety Bonds Agent. Submit your vehicle details, appraisal, and personal information. Most applicants receive an instant quote and can purchase the bond online or by phone.
Step 5
Receive your Indiana certificate of title bond. Review the bond for accuracy and sign where required.
Step 6
Submit the completed bond, application, and supporting documents to the Indiana BMV. Include any required fees. The BMV will review your submission and may request additional information if needed.
Step 7
If approved, the BMV issues a bonded title. This title is marked as “bonded” for the required term, usually three years. After the term, if no claims are filed, you may request a standard Indiana title.
faq
Quick Answers to Common Questions
How Long Does A Bonded Title in Indiana Last?
Indiana bonded titles are valid for three years. After this period, if no ownership claims are made, you can apply for a standard title.
Is a Credit Check Required for the Indiana Lost Title Bond?
Most surety companies perform a soft credit check to determine your premium. Applicants with strong credit usually receive lower rates. Surety Bonds Agent works with multiple underwriters to find the best option for your situation.
Can I Get a Bonded Title With Bad Credit?
Yes, Surety Bonds Agent helps Indiana residents with all credit backgrounds. Applicants with lower credit scores may pay a higher premium, but most are still eligible for a lost title bond.
Can I Update My Bond Form?
If you need to correct information on your bond form, contact Surety Bonds Agent. We help you update and reissue the bond as required by the Indiana BMV.
How Do Indiana Residents Apply for a Bonded Title?
Apply online at SuretyBondsAgent.com or call us for personal assistance. Complete the application, get your quote, and submit your bond and paperwork to the BMV.
How Do Indiana Bonded Title Applicants File Their Bond?
File your signed bond with your title application and supporting documents at your local Indiana BMV branch or by mail, following BMV instructions.
What Is a Notice of Determination?
A Notice of Determination is an official BMV document stating whether your bonded title application is approved or denied. If approved, you receive your bonded title. If denied, the BMV explains the reason and next steps. For more details, visit the Indiana BMV’s bonded title page.
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