Two names can be on a car title and when you want to remove one of the names, it is possible. Removing a name from a car title is a legal process that involves transferring ownership rights of the vehicle from two people to just one.
Whether you’re doing this due to a change in ownership, such as after a divorce, or a separation, or simply because one person no longer wants to be associated with the car, it’s important to follow the correct procedures to ensure that the transfer is legally recognized and that there are no complications down the road.
Two Names on a Car Title How to Remove One
Here’s how to remove one name from a car title with two names:
Step 1: Understand the Reason for the Name Removal
Before you start the process of removing the name from a car title, it’s important to understand why you want to make the removal.
The reason can vary; maybe the car was jointly owned by the husband and wife who are now separating, or perhaps one of the co-owners simply wants to relinquish their interest in the car.
However, understanding the reason can help guide you through the necessary steps and ensure that both parties are on the same page.
Step 2: Contact the DMV
Each state in the U.S. has its own regulations regarding car titles, so the first thing you should do is contact your local Department of Motor Vehicles (DMV) or visit their website.
The DMV will provide you with instructions and inform you about the necessary paperwork and any associated fees you need to complete the transfer.
Step 3: Obtain the Original Title
The next step is to make sure you have the original car title. If you don’t have the original title, you will need to request a duplicate title from the DMV.
This usually involves filling out a form and paying a fee. Some states may allow you to do this online, while others may require you to visit a DMV office in person.
Step 4: Check Ownership Type
It’s important to know how the vehicle is currently titled. There are different types of ownership:
- Joint Tenants with Rights of Survivorship: In this case, if one owner dies, the ownership automatically transfers to the surviving owner.
- Tenants in Common: Each owner has a distinct, separate interest in the vehicle. Ownership does not automatically transfer upon the death of one owner.
- Community Property: In some states, property acquired during marriage is considered community property, meaning both spouses own it equally.
Therefore, you need to understand the type of ownership the car has because it will affect how you proceed with removing a name from the title.
Step 5: Sign the Title
The person whose name is being removed must sign the back of the title, in the designated section for releasing ownership. In some cases, the remaining owner may also need to sign.
If the title is held jointly, both owners may need to sign, depending on the state’s laws. Make sure the signatures match the names exactly as they appear on the title.
Step 6: Complete a Transfer of Ownership Form
In many states, the DMV will require you to fill out a transfer of ownership form or similar document. This form usually asks for details about the vehicle, the names of the parties involved, and the reason for the name removal.
The form will need to be signed by both parties and in some cases, it may need to be notarized. So, make sure to fill out and sign this form accordingly.
Step 7: Submit the Documents to the DMV
Once you have all the necessary paperwork completed and signed, the next step is to take it to your local DMV office.
Some states may allow you to mail the documents, but visiting in person can help ensure that everything is in order.
Be sure to bring identification and be prepared to pay any processing fees mandated by the DMV. The DMV will then process the request and issue a new title in the name of the remaining owner.
Step 8: Update the Vehicle’s Registration and Insurance
After the name is removed from the title, you will need to update the vehicle’s registration and insurance information to ensure that all records are consistent and that the remaining owner is recognized as the sole owner of the vehicle.
Failing to update these records can result in complications, such as issues with insurance claims or registration renewals. You might start having issues with the police officers when they pull you over.
These are the step-by-step guides on how to remove one name from a car title that has two names. However, if there is an outstanding loan on the vehicle, the lender will need to be involved in the process, as they hold a lien on the title. You may need to get permission from the lender to remove a name from the title.
Meanwhile, removing a name from a title can have tax implications, especially if the vehicle is considered a gift or there is a transfer of equity. It may be wise to consult with a legal professional to understand any possible consequences.
If the vehicle is jointly owned due to a divorce, dissolution of a partnership, or another legal situation, it may be wise to consult with an attorney. They can ensure the process is handled correctly and that all legal implications are considered.
Finally, make sure to keep copies of all the documents you submitted and received during this process. This includes the original title, the transfer form, any DMV receipts, and the new title.
Having these records can be helpful in case any questions arise in the future about the ownership of the vehicle.
Conclusion
Two names on a car title, and how to remove one have been explained in this article. Just follow these step-by-step guides. Start by contacting the DMV office, they will put you through on what to do and how the process will go. Good luck!
