Car Totaled: Questions About Title Handling
I recently totaled my car, which I’ve had paid off for years. Unfortunately, I never got around to removing the lienholder from the title due to some procrastination.
Now, I find myself in a bit of a complicated situation: my car is currently in Washington state, registered there, but titled in a different state. I do have the title and the lien release letter.
The insurance company has chosen Copart to manage the salvage process, and they’ve sent me some forms to complete regarding the title, including a Washington state DOL form for power of attorney. They’ve also provided prepaid mailers for me to return the documents. I’m currently traveling, so I haven’t been able to take care of this yet.
I understand that the most accurate information will come from Copart or my insurance company, but I wanted to gauge the group’s thoughts on this matter while I’m on the go.
Is there anything specific I need to do about the title now (which I should have addressed years ago with the lien release), or can Copart or the insurance handle it for me? I’m just trying to figure out how much work I still have ahead in this process. Thanks!
It sounds like you’re in a bit of a complicated situation, but it can definitely be managed with the right steps. Since the car is registered and physically located in Washington State, you’ll want to make sure that everything aligns with Washington’s requirements, even though the title is from a different state.
Here are some steps and considerations for you:
Communicate with the Insurance Company: Since the insurance company has chosen Copart as the salvage processor, they will likely have protocols in place to handle the title transfer. It’s essential to clarify with them if they can manage the title issue on their end or if you need to take care of it personally.
Power of Attorney: If Copart has requested a power of attorney form for the car, filling this out can help them act on your behalf regarding the title transfer. This may simplify the process and reduce the amount of work you need to do.
Lien Release: Since you have the lien release letter, make sure that you include a copy of it with the paperwork you’re sending back to Copart. This may help in proving that you have the right to transfer the title.
Title Transfer: Depending on Copart and your insurance company’s policies, they may handle the title transfer for you, but it’s prudent to confirm this. If they cannot, you may need to apply for a new title in Washington State yourself, which typically involves surrendering the old title and submitting the release of lien, along with any required forms and fees.
Stay Organized: Keep all your documentation organized, including the title, lien release, and any communication with the insurance company and Copart. This will help you if there are any questions or complications.
Check Local Regulations: It doesn’t hurt to look at the Washington Department of Licensing (DOL) website or contact them directly for specific guidance related to your situation.
Since you’re currently traveling, it might feel overwhelming, but if you take it step by step and leverage the help of your insurance company and Copart, it should ease the process. And remember, make sure to follow up if things aren’t proceeding as expected once you’re back. Good luck!