What is an NH bonded title?
In New Hampshire, if your car title has been lost or stolen or you never received one when you got your car, you may need a bonded title. An NH bonded title is a vehicle title with a surety bond (called a title bond) attached to it. The title bond must be worth 1.5 times the value of your vehicle and remain active for three years before you qualify for a standard title.
Who needs a bonded title in New Hampshire?
If one of the following is true, you may need an NH bonded title.
- You purchased your car without receiving a title from the previous owner.
- Your title was incorrectly assigned to you.
- You lost your title before registering your vehicle in your name.
- You inherited your vehicle and never received a title.
What if my original title was lost or stolen?
If the title was registered correctly in your name and you lost it, someone stole it, or it was damaged, you can get a duplicate certificate of title in New Hampshire for a $25 fee. No bond will be required.
Get Your New Hampshire Title Bond:
- In New Hampshire, if your car title has been lost or stolen or you never received one, you may need a bonded title.
- A bonded title proves that you’re the valid owner of your vehicle. Without it, you can’t legally insure, register, or sell your car.
- First, contact your local DMV to ensure you need a bonded title and qualify to apply. If you do, follow the simple process outlined below to complete your bonded title application.
How does an NH bonded title work?
A bonded title proves that you’re the valid owner of your vehicle. It guarantees that you have taken the required steps with New Hampshire DMV to obtain a certificate of title legally. Without a title, you can’t insure, register, or sell your car.
The bond attached allows anyone with a financial interest in your vehicle to come forward and file a claim. If you aren’t the true owner or owe them money, you must pay to settle the claim. If you can’t or won’t, your surety will resolve it for you. You must later repay them in full.
Your bond must remain active for three years. If no one files a claim against you during that time, you can apply for a regular title when the bonded title expires.
How to Complete Your New Hampshire Bonded Title Application
First, contact your local New Hampshire DMV to ensure you need and qualify for a bonded title. Your DMV will do a record search of your vehicle to determine previous owners and (if applicable) any active liens on your car.
If the previous owner appears as the title owner, you must send them certified mail asking them to sign the title over to you. If there’s a lien on your vehicle, you must send a certified letter to the lienholder and ask them to lift the lien. You won’t qualify for a bonded title until the lien is released.
Once this initial step is complete, follow this process to complete your New Hampshire title application.
1. Get a title bond.
Your title bond must be 1.5 times the current value of your vehicle. So if your car is worth $3,000, you will need a $4,500 bond. You can get a New Hampshire title bond with a trusted surety provider like ZipBonds.
2. Visit your local city clerk’s office to request a bonded title application.
You will fill in basic information such as your VIN, name, address, required bond amount, and your car’s year, make, and model.
3. Submit your application and title bond documentation to a local DMV.
You must pay a title fee when you apply. Once your application is approved, you’ll receive your NH bonded title.
New Hampshire title bonds are quickly issued, typically cost around $100, and have a 3-year bond period. After the bond expires, there is no requirement for the bond. You will be eligible for a standard certificate of title.
Get a Title Bond in New Hampshire
The experts at ZipBonds can help you obtain the bond you need. To connect with one of our team members, please give us a call at 888-435-4191 or email us at firstname.lastname@example.org. We’ll walk you through the process for title bonds to help you get bonded in a flash.
Founders Ryan Swalve and Zach Mefferd formed the vision for ZipBonds.com when they realized how overly complicated it was to help clients place surety. The frustration of being unable to incorporate the technology they’d used in other insurance-focused projects left them thinking “there has to be a better way.”
Fast forward a couple of years, and that better way is the impetus of everything we do at ZipBonds. We constantly look for innovative ways to improve the bonding process for our clients and agents. Our team comprises individuals who understand all angles of surety – for companies, agencies, and individuals. Incorporating everyone’s point of view to improve the process while simultaneously integrating cutting-edge technology is what sets our business apart.