Georgia Certificate of Title Bond

Get Your Georgia Title Bond

Who Is Required to Purchase a Georgia Title Bond?

You must purchase a title bond and have a bonded title issued if you do not have proof of ownership documents required far a standard Georgia title to be issued.

Typically missing ownership records result from:

• The original title has been so damaged that it's illegible
• The original title was filled out incorrectly and missing the original owners name
• The original title has been lost

In Georgia you're required to purchase a title bond for any vehicle you want registered as long as:

• The vehicle was not manufactured before 1985
• You're a legal Georgia resident
• The vehicle is not an abandoned vehicle

You can start the process to obtain a bonded title as your local Georgia Tag Office.

 

Why is a Georgia Title Bond Required?

Again, a title bond is a form of insurance that covers the bonded title that will be issued to you as the owner of the vehicle.

The bonded title is protection for:

• A previous owner who still legally owns the vehicle
• Any third party that has a lien against the vehicle

The Georgia Department of Revenue and your local Tag Office will not issue a bonded title if there are any liens on the vehicle. You must complete the release of lien form (Form T-4 Notice of Satisfaction of Security Interest or Lien Holder Affidavit).

When you get a bonded title, you are making the right claim that you legally own this vehicle.

It's important to do your due diligence when purchasing any used vehicle.

 

The 6 Steps to Get a Bonded Title In Georgia

Click here to find all the required forms, expect the title bond. We will provide you with the title bond filled out correctly.

 

Step 1: Complete the Title Application

Form Name: Form MV-1 Title/Tag Application

This is a short application that outlines:

• Information about the vehicle
• The owner or multiple owners information
• Sellers and lessee information (typically never relevant in this case)
• Lien holder information

Once you have this form completed, call the Georgia Department of Revenue so they can supply you with the fair market value of the vehicle.

While there is no details about how the Department of Revenue arrives at this value, it's likely they use a process similar to Kelly Blue Book.

Once you have the value, you can purchase the title bond.

 

Step 2: Purchase the Title Bond

Remember, the title bond is the surety bond (insurance) that backs the bonded title protecting:

• A previous rightful owner
• Any lien holders

 

Calculate the Title Bond Amount

All title bonds have an amount. This amount is the available financial coverage available to a lien holder or previous owner if they come forward and make a legitimate claim for the vehicle.

Compared to many states, Georgia makes it easy to get your title bond amount.

• It's 2X the value told to you by the Department of Revenue
• With a minimum amount of $5,000

Once you have the bond amount, you can purchase the title bond.

 

How Much Does a Title Bond Cost?

The price of the title bond is based on the bond amount you calculated.

This price is determined by a surety. A surety is the insurance company that underwrites the title bond.

Use the table below or the price cards above to determine your price.

 

Why Do Bonds Over $50,000 Require a Quote?

The larger the title bond amount, the greater the coverage required to bond the vehicle.

It's also statistically more likely the vehicle may have been stolen. This means the surety (insurance company) will evaluate your personal credit before they issue a rate for the title bond.

Once a rate is determined by the surety, the rate multiplied by the bond amount is the price you pay.

And this is why it's so important to work with a specialized surety agency like Surety Bonds Direct to purchase your Georgia title bond.

 

How To Avoid Overpaying For Your Title Bond

Each surety determines a rate using their own independent analysis. This means the rates different sureties quote will be different.

We have helped our clients find the lowest rate and save hundreds of dollars when purchasing a title bond.

We work with multiple A-rated surety companies and price shop for you to find the lowest rate and lowest price for you.

The best part is, you're under no obligation to purchase once you receive pricing from us. So if you need to purchase a large title bond, you have nothing to lose by requesting pricing.

Plus we have lots of experience working with individuals who have limited or poor credit, so don't let that be something that holds you back.

How Long Does a Bonded Title in Georgia Last?

Georgia requires a bonded title to be active for 4 years.

This is the period of time allowing any legitimate owner or lienholder to come forth and make a claim for the vehicle.

After the 4 year waiting period, the Department of Revenue and your local Tag Office will issue you a standard title. The bonded title will no longer be valid and the title bond backing the bonded title will expire automatically.

At this point the vehicle is officially yours and any claims of ownership will be deemed immediately invalid.

Watch our YouTube video Short that quickly explains what a title bond is.

 

Step 3: Complete the Certificate of Title Bond Affidavit

Form Name: Form MV-46A Certificate of Title Bond Affidavit

This is a short application that outlines:

• Your personal information
• The vehicle sellers information
• The reason the title needs to be replaced
• Information about the vehicle including whether it has any liens

Make sure the name on this form matches the full legal name used on the title bond.

This form must be notarized.

 

Step 4: Complete the Certificate of Inspection

Form Name: Form T-22B Certificate of Inspection

You must have the vehicle inspected by a law enforcement officer and they will complete this form for you.

If during the inspection, the officer determines the serial plate is missing, you must fill out Form T-128 Missing Serial Plate Affidavit.

This form is a request for a replacement serial plate and it must be notarized to be completed.

 

Step 5: A Vehicle Report From The National Motor Vehicle Title Information System

This report ensures the title or missing original title is from Georgia.

If the original title is from another state, you must submit the title history from this report.

 

Step 6: Pay Applicable Fees And Get Your Vehicle Titled

Here are the fees you're required to purchase:

Turn in your application and all required forms to your local Tag Office.