Certificate of Title

What is a Uniform Surety Bond (Title to Vehicle)?

A Uniform Surety Bond for Title to Vehicle is required by the Michigan Department of State when an individual needs to obtain a vehicle title but lacks proper documentation or when vehicle ownership is disputed. This bond serves as a financial guarantee that protects against potential losses if someone else has a valid claim to the vehicle.

Who Needs This Bond?

Michigan residents who need to obtain a vehicle title must secure this bond when they cannot provide standard documentation such as a previous title, manufacturer's certificate of origin, or other acceptable proof of ownership. This commonly occurs with abandoned vehicles, inherited vehicles without clear title transfer, or vehicles purchased without proper documentation.

Protection and Coverage

The bond protects the Michigan Department of State and any parties who may have a legitimate claim to the vehicle. If a valid ownership claim arises after the title is issued, the bond provides financial compensation up to the bond amount. The bond amount varies based on the vehicle's value, and coverage remains active for three years from the issue date to allow time for any potential claims to surface.