Car Totaled: Title Handling Questions
I recently totaled my car, and while it has been paid off for years, I didn’t take the time to update the title to remove the lienholder.
Now I find myself in a bit of a complicated situation. My car is currently in Washington State, registered and titled in another state. I have the title and a lien release letter in my possession.
The insurance company has chosen Copart to manage the salvage process, and they’ve sent me paperwork to fill out regarding the title, including a Washington State DOL power of attorney form and prepaid mailers for returning the documents. Unfortunately, I’m traveling at the moment, so I haven’t had a chance to address this yet.
I understand that the best information will come directly from Copart or the insurance agency, but I’d like to gather some insights from the community while I’m on the move.
Do I need to take any action regarding the title (something I should have done years ago with the lien release), or can Copart/Insurance handle it for me?
I’m just trying to gauge how much more work I need to put into this process. Thanks for your help!
It sounds like you’re in a bit of a complicated situation, but don’t worry; it’s manageable! Since you have the lien release letter and the title, you are in a good position, even though it’s titled in a different state.
Typically, here’s how it might work:
Communicate with Copart/Insurance: It’s great that you recognize the best source of information is the insurance and Copart. Since they have engaged you to fill out forms and provide a power of attorney, they will guide you on what documentation they need.
Power of Attorney: By signing the power of attorney, you’re allowing Copart to handle the title transfer on your behalf. This means they will likely take care of the necessary paperwork to get the title sorted out. Just be sure you fill out the forms completely and accurately.
Title Issue: Even though you didn’t get the title updated years ago, having the lien release means you should still be able to transfer the title appropriately now. However, if the state where the title is issued has specific requirements about the lien release or the vehicle’s status, Copart or your insurance should be able to help you navigate those.
Filing in Washington: Since your car is registered in Washington, expect that some specific steps may involve the Washington Department of Licensing (DOL). Copart may need to submit paperwork there to finalize the process.
Gather and Send Documentation: Prepare to send back the signed power of attorney and any other required documents via the prepaid mailers they provided. Make sure everything is ready before you travel again.
Follow Up: After you send everything in, don’t hesitate to follow up with Copart and your insurance to make sure everything is received and in process.
Overall, your main task is to ensure you complete the forms they provided and communicate openly with them if you have any questions. It seems they have a procedure in place to handle these situations, so you might not have to do much more than what they ask. Safe travels!