alabama title reference guide - iaa csatoday · montgomery, al 36132-7610 phone: 334-242-9000...
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Alabama
Title Reference Guide
The IAA Title Guide is a proprietary document prepared solely for internal use by Insurance Auto Auctions, Inc., its
subsidiaries and affiliated entities (“IAA”). No part of this document is to be photocopied, reproduced, stored in a retrieval
system, transmitted electronically, or disclosed to a third party without prior written consent of Diversified Services
Administration or IAA Executive Management.
© 2013. Insurance Auto Auctions, Inc.
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 2
Table of Contents Contact Information 3
Title and Disposal Information 4
Standard Title Processing 4
MVD Title Fees 4
Duplicate Title 5
Additional Information 5
Deceased Owner Requirements 5
Repossessed Vehicle 5
Name Changes 5
Owner Retain 5
Unrecovered Theft 6
Alternate Disposal 6
State Guidelines 6
Title Requirements by Vehicle Type 6
Title Branding Guidelines 7
Determining the Correct Title Type 8
Frequently Asked Questions 9
What type of PoA is required if the title is not signed? 9
What is required to correct a mistake that is made by the owner on the back of the title? 9
If an owner’s full name is listed, does he/she need to sign as listed on the face of the title? 9
Example Documents 10
Alabama Title (Front) 10
Alabama Title (Back) 11
Alabama Affidavit for Assignment of Title for a Vehicle From 12
Alabama Power of Attorney 13
Alabama Secure Power of Attorney 14
Glossary 15
Index 17
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 3
Please note - This document is intended to cover most requirements for obtaining a negotiable, lien-free title. It
is not intended to replace motor vehicle department regulations or rulings. If you have title questions please
contact IAA’s Title Solutions Department (TitleSolutions@iaai.com).
Contact Information
IAA Website: http://www.iaai.com
Title Questions: IAA – Title Solutions 13085 Hamilton Crossing Blvd
Carmel, IN 46032
Toll Free: 888-698-4853
FAX: 855-584-5198
TitleSolutions@iaai.com
IAA Locations in Alabama:
Birmingham
1600 Highway 150
P.O. Box 691
Bessemer, AL 35022
Phone: 205-426-2300
Fax: 205-428-5332
Auction: Every Wednesday at 9:00AM CT
Dothan 15994 US Highway 431
Headland, AL 36345
Phone: 334-693-4910
Fax: 334-693-4920
Auction: Every Wednesdays at 11:30AM CT
Huntsville 16326 Ennis Road
Athens, AL 35613
Phone: 256-233-5899
Fax: 256-233-2366
Auction: Every Wednesday at 1:00 PM CT
Motor Vehicle Department:
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 4
MVD, Title and Records
P.O. Box 327610
Montgomery, AL 36132-7610
Phone: 334-242-9000
Alabama DMV
Title and Disposal Information
Standard Title Processing
IAA will apply for the appropriate title in the Provider’s name. In order to initiate this process the vehicle
provider must supply the following documentation:
Properly Executed Title - If the owner held the title at the time of loss, then the provider must send a
title that has been properly executed by the owner, or the title including the correctly executed Power of
Attorney (PoA.) If the Lienholder possessed the title at the time of the loss, then the provider must send
the unsigned title with a lien release if applicable or Lienholder signed off on title, and a notarized
Power of Attorney signed by the owner.
Lien Release (if applicable) – Lien to be satisfied and dated on the face, or include separate notarized
lien termination statement with a vehicle description and owner’s name(s). If on letterhead, notary not
required.
Odometer Disclosure – Odometer disclosure is required for vehicles less than 10 model years. This
can be accomplished on the title or with a separate odometer statement, signed by the owner. Mileage
should be stated with a verified reading and should not be an estimate or guess.
If IAA is not processing the title, please attach the properly executed sale document and any additional
required forms as outlined above to a coversheet with your selling instructions noted. Forward these
documents to the appropriate IAA Branch.
MVD Title Fees
Please contact your local IAA Branch or MVD for up-to-date fees.
Salvage title fee: $15.00
Duplicate title fee: $15.00
Title mistakes can be costly and significantly delay the processing and sale of salvage vehicles. Catching
potential errors before the title paperwork goes to auction prevents title problems that delay a vehicle’s
sale by weeks or even months.
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 5
Duplicate Title
With the owner’s cooperation, IAA can apply for a duplicate title. IAA will need:
If vehicle is >/ 12 years, LR not required if greater than 4 years
Two (2) notarized Power of Attorneys.
Notarized Lien Release. (if applicable)
Duplicate Title Application MVT12-1
Additional Information
Deceased Owner Requirements
Copy of the Will (if there is one). Will only require if surviving kin is named in will as receiving
vehicle
Copy of the Death Certificate.
Not probated – Affidavit of Transfer Surviving Kin MVT5-6 signed and notarized original. Must be
typed document. Copy of Death Certificate
Probated will – Letters of Testamentary and copy of death certificate
Repossessed Vehicle
Title with lienholder signed off as seller
Lien can be released or not
Original Affidavit of Repossession (MVT-15-1) – must be notarized
Name Changes
If the insured’s name is different than the name that appears on the title (i.e. different last name or
nickname instead of first name), a copy of the marriage license, divorce decree, or court document
stating legal name has changed may be required in addition to the signed title. Please contact an
Alabama branch if questions arise.
If name on title is completely different, this could be a situation where the owner purchased the vehicle
from someone and did not title it properly. In this scenario the owner will be required to pay sales taxes
and have the vehicle titled properly before it can be sold. Contact your local IAA branch or Title
Solutions for assistance in resolving these situations. Title Solutions requires written approval via email
or fax from provider before providing assistance.
Owner Retain
If the vehicle has been declared a total loss by the provider and deemed repairable, the owner may retain
the vehicle but must obtain a salvage title.
By law, the owner must provide proof of salvage before payment can be issued or they must relinquish
title to the insurance company to apply for a salvage title on their behalf.
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 6
Unrecovered Theft
The provider is required to obtain an Unrecovered Theft title in their name
A Police Report with the vehicle information on it is also required
Electronic title issued for URT. Upon recovery, paper title issued and type (salvage or clear)
Alternate Disposal
Abandonment - If the Provider is unable to obtain a negotiable title, they can abandon the vehicle to
IAA via a letter releasing their interest. IAA will file all necessary paperwork to sell the vehicle on an
Affidavit of Abandonment. Without proceeds
Required - Written notification on provider letterhead
State Guidelines
Title Requirements by Vehicle Type
Vehicle Type Titled Note
Passenger vehicles Yes <35 years
ATVs No Sell on bill of sale
Boats No Sell on bill of sale
Commercial trucks (i.e. tractor trailers) Yes
Farm Equipment Yes
Manufactured and mobile homes Yes
Mopeds No </ 5 brake horsepower, <150 cc, and weighs <200 lbs
Motor Homes and RV’s Yes
Motorcycles Yes
Off-road vehicles No Sell on bill of sale
Snowmobiles No Sell on bill of sale
Utility trailers No <20 years
Trailers with GVWR 3000 lbs or less No <20 years
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 7
Title Branding Guidelines
Salvage Title
Salvage titles are required for any vehicles <35 years that have an estimated cost of
repair >/75% ACV. Flood title needed on all flood claims.
Vehicles >35 years are exempt from the salvage title process.
Salvage Repairable – A Salvage-Repairable title is for vehicles that have been declared
a total loss but are repairable. This type of title requires at least one sub-brand.
Collision
Theft
Fire
Vandalism
Salt
Flood
Other
Clear Title
If estimated cost of repair <75% ACV, the vehicle does not have any flood damage,
apply for clear title.
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 8
Vehicle is declared
a total loss
Is vehicle older
than 1975?
Title can stay clearIs this a trailer?
Is the trailer
older than
1990?
Is vehicle a
flood claim
Apply for flood title
Is vehicle
damaged 75%
of ACV or
more?
Is vehicle an
unrecovered
theft?
Hold on to title.
State will not
process
unrecovered theft
title.
Apply for salvage
title.
Apply for salvage
title.
Y Y
NN
Y
N
Y
N
Y
N
N
Y
ALABAMA FLOW CHART
DETERMINING THE CORRECT TITLE TYPE
Determining the Correct Title Type
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 9
Frequently Asked Questions
What type of PoA is required if the title is not signed?
A Secure AL-PoA MVT 8-4 must be used if the provider is paying off the Lienholder. For an owner retain, non
lien, generic notarized PoA Owner Retain- MVT 5-13. Only the MVT 5-13 form requires notarization.
What is required to correct a mistake that is made by the owner on the back of the title?
If an error is made on the title please contact IAA to determine if an affidavit of correction will suffice or if a
duplicate title is required. Please contact the branch for more specific situations.
If an owner’s full name is listed, does he/she need to sign as listed on the face of the title?
The signature should match exactly as the name is listed on the face of the title.
Example: John P. Doe is signed as John P Doe. Note that this is NOT signed John Doe or J. Doe or Mr. Doe.
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 10
Example Documents
Alabama Title (Front)
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 11
Alabama Title (Back)
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 12
Alabama Affidavit for Assignment of Title for a Vehicle From
A Deceased Owner Whose Estate Does Not Require Probate
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 13
Alabama Power of Attorney
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 14
Alabama Secure Power of Attorney
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 15
Glossary
Affidavit of Correction A notarized form that can correct certain errors made by an owner on the title.
Appraisal Written estimate detailing damage and replacement costs for a vehicle. Also known
as an Estimate of Repair.
Date of Loss Date accident occurred or vehicle was stolen.
Duplicate Title A duplicate title is a replacement title obtained through the state title processing
agency (Ex. DMV, MVD, BMV). When a duplicate title is issued the original title
becomes void.
Electronic Title
Some states are now using E-Titles especially when there is a Lien Holder listed. An
E-Title is held in the title possessing agency’s system until the Lien Holder releases
the lien. The title is then printed and mailed out to the specified party.
Exceeds Mechanical
Limits (EML)
Exceeds Mechanical Limits is an option on most titles that is selected when the
vehicle has travelled more miles than the odometer can register. Many older
vehicles are limited to 99,999.9 mile odometer reading. When the vehicle exceeds
the odometer’s mechanical limits traveling past 100,000.0 miles, the vehicle has
exceeded its mechanical limit for the odometer. This option is rarely selected on
newer vehicles since most odometers now register up to 999,999 miles.
Lien Release When a lien has been perfected on a vehicle the state requires the lien holder to
release the lien indicating that the lien has been satisfied before ownership of the
vehicle can be transferred. Lien releases are typically executed by having the lien
holder sign and date the face of the title or by providing a separate notarized lien
termination statement on the lien holder’s letterhead. If a separate statement is used
the statement should include a description of the vehicle including; VIN, year, make,
model, and the owner’s name(s). Lien holder can also add or remove electronic liens
by accessing the state’s database. A paper title will automatically be mailed to
address of the lien holder’s discretion if the lien is active or to the vehicle owner if it
is a title holding state.
Not Actual Mileage (NAM) Not Actual Mileage is an option on most titles that allows the owner to indicate that
mileage shown on the odometer is not a true representation of the mileage of the
vehicle. This can happen on some vehicles when the odometer or the vehicles
engine control unit (ECU) is replaced, or when the odometer or its related systems
are damaged or inoperable.
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 16
Glossary
Odometer Disclosure Odometer disclosure is required for vehicles less than 10 model years. This can be
accomplished on the title or with a separate odometer statement signed by the owner.
Mileage should be stated with a verified reading and should not be an estimate or
guess.
Owner The name listed on the front of the title. It usually states Owner or Legal Owner.
Owner Retain Any vehicle deemed a total loss by the provider that the owner elects to retain
ownership of. Most states will require that the title is converted into some form of
salvage title. Rules regarding who is responsible for transferring the title vary by
state.
Power of Attorney (POA) Legal document that allows the appointed person/Provider to sign title, application,
or any other documents related to the vehicle listed on the form on behalf of the
owner.
Properly Executed Title Title that is properly signed by owner and lien holder, which has released lien if
applicable.
Provider Insurance company, charity, or individual selling the vehicle through IAA
Repair Estimate Written appraisal detailing estimated repair cost of damage and replacement cost for
a vehicle. Also known as a Damage Appraisal
Sale Document Document that was used to sell the vehicle at an IAA auction. (bill of sale, clear title,
salvage title, certificate of destruction, junk title, scrap title etc.)
Salvage Title Titles are branded Salvage on ANY vehicles that fall into the salvage branding
criteria for each specific state. Most states consider a vehicle to be deemed salvage if
it is 10 model years of age or newer that has been stolen or has been deemed
uneconomical to repair by the insurance company. (S.) These vehicles are issued a
salvage title and may be subject to repair and re-inspection.
Title Problems Title paperwork received by IAA that is not correct or incomplete and requires
additional documents or information before the title can be processed and vehicle
can be sold.
Title Solutions A specialized and exceptionally knowledgeable service by IAA that provides
innovative and prompt solutions for your toughest title problems.
Total Loss Any vehicle that has been deemed uneconomical to repair by the insurance company.
Unrecovered Theft Any vehicle that has been stolen and not recovered.
I N S U R A N C E A U T O A U C T I O N S
Last Updated 042014
Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.
TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853)
© 2013. Insurance Auto Auctions, Inc.
Page 17
Index
A
Affidavit of correction 15 Affidavit of Correction 15 Alternate disposal 5 Appraisal 15, 16 ATV 6
B
Boat 6 Boats 6
C
Commercial truck 6
D
Death certificate 5 Deceased owner 5, 12 Deceased Owner 5 Duplicate title 4, 15 Duplicate Title 4, 15
E
EML 15 Estate 12 Exceeds mechanical limits (EML) 15
F
Farm equipment 6 Farm Equipment 6
L
Lien release 4, 15
M
Manufactured and mobile homes 6 Moped 6 Mopeds 6 Motorcycle 6 Motorcycles 6
N
NAM 15 Name changes 5
O
Odometer disclosure 4, 16 Owner Retained 16
P
POA 9, 16 Power of attorney (POA) 4, 9, 13, 14, 16
S
Secure power of attorney (SPOA) 9, 14
T
Title fees 4 Trailers 6
U
Unrecovered theft 5, 16 Un-recovered Theft 16
W
Will 5
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