How to Apply for a Vehicle Title in New York: A Step-by-Step Guide
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If you live in New York and own a vehicle, you need to title it. Your New York state vehicle title and registration certifies you as the car's owner and lists any lien holders. If you ever decide to sell your vehicle, the title facilitates the process.
A New York Application for Title, proof of ownership, and supporting documentation are all that separate you from completing the titling process. Once you have everything, you can visit your local New York Department of Motor Vehicles (DMV) to finalize your title.
Overview of the Vehicle Title Application Process
You may not need to go through the DMV's titling process if you buy your car through a New York dealership. Instead, the dealer can title and register the car for you — but it will probably charge a fee for the service.
If you buy or receive a car through any other means, you're responsible for titling the vehicle. Before you finalize the sale or transfer, make sure you get the right documents from the seller, including a bill of sale or similar receipt. You also need proof of the prior owner's right to the vehicle, like an original title or transferable registration.
Steps to Apply for a Vehicle Title in New York
You probably don't want to make multiple trips to the DMV. To save yourself time (and headaches), familiarize yourself with the process and get your documents together before heading to your local branch.
Required Forms for the New York Title Application
The NY DMV Application for Title (MV-82) is the only form you need to apply for a title. It's available online, so you can complete it and print it out before your appointment. The form asks for basic information about the vehicle, including its vehicle identification number (VIN), make and model, and mileage.
You're considered the vehicle's primary registrant, so you must include your name, address, and New York driver's license number.
Necessary Supporting Documents
When buying and selling a New York vehicle, make sure to complete a Vehicle Bill of Sale and Statement of Transaction - Sale or Gift with the seller. The documents outline the sale's terms and conditions and serve as proof of the transfer of ownership.
The seller should provide you with the vehicle's original or duplicate title. If it's a New York title, ask the previous owner to fill in the odometer and damage disclosure statements. Out-of-state titles usually provide a place to transfer the vehicle to you, so read it carefully before accepting and signing it.
If there is no title available, an Original Transferable Registration or Manufacturer's Certificate of Origin (MCO) meet New York's ownership transfer requirements as well.
The DMV representative will ask you for proof of identity. The evidence you submit must be enough to confirm your name and date of birth. A valid New York State driver's license fulfills both requirements, but the DMV provides a list of other documents that meet its criteria.
If you want to transfer an existing set of New York license plates to the car, bring them with you to your appointment. Otherwise, you can buy new ones.
Understanding Fees Associated With the Title Application
If it's your first time titling and registering the vehicle after purchase, you'll pay a sales tax and possibly a use tax depending on the New York county you live in. Other costs include registration and vehicle plate or registration transfer fee. The certificate of title fee is $50.
Special Scenarios for Title Applications
If you're applying for a title after a private sale, you'll follow all the above steps. However, if the New York title transfer is between family members, there is one minor difference to be aware of. Section 4 of the Statement of Transaction — Sale or Gift form requests information about the transaction's nature. Here, you'll note your relationship and whether the transfer is a sale or gift. If it's a gift between close family members, you may qualify for a sales tax exemption.
Residents titling a vehicle from another state should complete the appropriate forms and bring supporting documents showing proof of ownership. If you recently moved to New York, you must register the car within 30 days of your move.
Timelines and Expectations
If all goes well at the New York DMV, you should receive your title certificate within 90 days of your appointment. Your vehicle registration and license plates should arrive within two weeks.
Errors in your title application or supporting documentation can delay the process. That's why it's so important to verify all the details in your forms before visiting the DMV.
What To Do If Your Title Application Is Incomplete
If it's been over 90 days since you submitted your application and haven't received a new title, visit your local DMV branch. Show the agent your vehicle's registration and receipts from your title application. The representative can look into the cause of delay and advise you on next steps.
Just Complete Your Title? Get Your Car Insured Today!
You've got your title — now it's time to cruise the New York roads. But before you get behind the wheel, make sure you have an insurance policy that protects you.
EverQuote assists New York residents looking for affordable car insurance. Our free comparison tool can help you secure a reasonable rate on your new policy. Get started today — it only takes a few minutes!