Certificate of Title
Required for vehicle title transfers when ownership documentation is incomplete or missing. Protects the Michigan Department of State and future vehicle owners.
Same-day quotes. A-rated markets. Expert help.About This Bond
What this bond covers.
Pre-Executed Uniform Surety Bond (Title to Vehicle)
This surety bond is required by the Michigan Department of State when individuals need to obtain a certificate of title for a vehicle but cannot provide complete ownership documentation. The bond serves as financial protection when standard title transfer requirements cannot be met due to missing, lost, or incomplete paperwork.
Who Needs This Bond: Vehicle owners, dealers, or individuals seeking to register a vehicle in Michigan when they cannot provide proper title documentation, such as a clear title from the previous owner, may be required to post this bond as part of the title application process.
Protection Provided: The bond protects the Michigan Department of State and any future legitimate owners of the vehicle against financial loss if the bonded party's claim to ownership is later proven invalid. This ensures that if someone with a superior claim to the vehicle comes forward, they can recover damages through the surety bond.
Bond Details: This 3-year term bond features varying coverage amounts based on the vehicle's value. The pre-executed version accepts electronic signatures for participating counties, with instant approval available for amounts up to $25,000. Higher amounts may require additional underwriting documentation including credit reports and financial statements.
How to Get Your Certificate of Title
1. Share the basics
A few quick questions. No paperwork.
2. See your options
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3. Get covered
We'll take it from here.
FAQ
The cost of a Certificate of Title is typically a percentage of the total bond amount, ranging from 1% to 10%. Your exact rate depends on the bond amount, your credit score, and professional experience. Many standard bonds have fixed premiums and can be quoted instantly.
Most standard bonds are issued the same day - many within minutes of completing the application. Bonds that require underwriting review may take 1-3 business days.
Requirements vary by state and obligee, but most applicants need to complete a short application. Some bonds require a credit check, while others are issued regardless of credit. Business financials or professional experience may be considered for larger bond amounts.
Yes. Many bonds are available regardless of credit history. For bonds that require underwriting, applicants with lower credit scores can still qualify - the premium rate may be higher. We work with multiple carriers to find you the best available rate.
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TurboBonds.com is operated by Insurance Services by Shield, a California and Texas licensed insurance agency (CA License #6018195, TX License #3446536). Insurance Services by Shield is not an insurance carrier and does not underwrite bonds or insurance policies. Bond and coverage availability, pricing, and issuance are subject to carrier underwriting approval, eligibility, applicable state requirements, and policy or bond terms. Availability varies by state.
