Owner-Retained Total Loss Titles

An Owner-Retained Title may be obtained when an insurance company deems a vehicle to be a total loss and the owner keeps possession of the vehicle.  The vehicle must have an active registration and must be capable of being legally and safely operated on a public way at the time of the loss. If the vehicle is ten or more model years old at the date of the event which caused the vehicle to be declared a total loss, it is exempt from the Salvage Title process and an Owner-Retained Titled is not required.


Because the vehicle has an active registration and can be legally and safely operated, an Owner-Retained Title does not require a salvage inspection.  Owner Retained Titles require a secondary brand of Fire, Vandalism, Collision, Theft, Flood, Salt, or Other.


The customer must apply for an Owner-Retained Title within ten days of receiving the settlement from the insurance company. To apply for an Owner-Retained Title, a customer must mail or bring the following to the Registry's Title Division:

1.  The current Certificate of Title

2.  A copy of his/her active registration

3.  An Appraisal Report from his/her insurance company

4.  A completed RMV-1 Form

5.  The Owner-Retained Title fee. Please see the Title Fees section for the applicable fee.


A customer's vehicle remains registered and can be driven throughout the Owner-Retained Title process and after obtaining an Owner-Retained Title. However, it is recommended that the customer contact his/her insurance company. The insurance company may choose not to provide physical damage coverage (comprehensive and collision).


A Prior Owner-Retained Title is issued when an Owner-Retained Title has been assigned to a new owner.  This Title requires a secondary brand of Fire, Vandalism, Collision, Theft, Flood, Salt, or Other.