North Carolina Certificate of Title Bond

A North Carolina Certificate of Title Bond, also called a bonded title or title bond or Indemnity Bond, is a type of surety bond required by the North Carolina, Division of Motor Vehicles. in certain situations when you need to register a vehicle but can’t find the title. The bond amount is 1.5 times the appraised value of the vehicle, with a minimum of $100. Two appraisals from North Carolina dealers will be required.  The cost of the surety bond is usually between 1% and 2% of the bond amount, subject to a minimum premium and fees of $150. Surety1 will shop its many markets to procure the right price at the right terms.

How to Get North Carolina Certificate of Title Bond

At Surety1.com we make it easy to obtain this surety bond. Our simple, three step process is:

1. Complete the easy to navigate and secure online application. ¹
2. Review the free, no obligation quote from one of Surety1’s professional surety bond agents, usually within one business day.
3. Sign some paperwork and pay the bond premium

Once these steps have been completed, the North Carolina Certificate of Title Bond will be shipped to the bond applicant.
^{1 -The name of the applicant on the surety bond application must match exactly the full legal business name of applicant for the license.} 

Surety1.com is a service of AssuredPartners one of the largest and fastest growing insurance agencies in the nation. Representing over a dozen surety bond companies, Surety1.com is the premier online provider of surety bonds nationwide since 2003.

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How to Get a North Carolina Bonded Title

An individual who does not have proof that they own their vehicle can title their vehicle using an indemnity bond.

To obtain a vehicle title using a bond, the title applicant must:

• Submit required documents
• Have the vehicle inspected by the N.C. Division of Motor Vehicles
• Have the vehicle appraised – Two Appraisals are required.
• Acquire an North Carolina Certificate of Title Bond
• Have the vehicle undergo an emissions inspection
• Pay relevant taxes and fees

Required Documents

To obtain a vehicle title using a bond, the following documents listed in the table below must be submitted and requirements met. Identification is required for all services processed in person.

• Odometer Reading if the vehicle is less than 10 years old.
• Written Report from NC License & Theft Bureau Inspector
• North Carolina Indemnity Bond
• Title Application (MVR-1)
• Affidavit of Facts to Accompany Indemnity Bond (MVR-92H)

A Bonded Title is Not Acceptable when:

1. On abandoned vehicles. (G.S. 20-77)
2. Mechanics and Storage Liens. (G.S. 44A)
3. When there is an outstanding lien for which a lien cancellation cannot be furnished. Vehicle must be free of all liens including customers. After new title is issued, lien can then be added.
4. When litigation is pending (e.g. Death, civil suits, divorce, repo, or a party to legal action).
5. When the vehicle is not domiciled in North Carolina.
6. When the applicant is a nonresident and the vehicle is not registered in North Carolina.
7. When a vehicle is branded parts only, non-rebuildable, or declared junked.
8. When a vehicle has been declared a total loss by an insurance company and never titled in the insurance company’s name.
9. When a vehicle has been declared a total loss by an insurance company and sold without a title.

The information provided above is for general informational purposes only and does not constitute legal advice.  Do not rely solely on the information presented here as a substitute for professional legal counsel.