How to Title a Car That Doesn't Have a Clear Title in North Carolina

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If you wish to obtain a marketable North Carolina title to a car that lacks clear title, you will have to deposit a bond. If someone else makes a successful claim against the car within three years after you obtain bonded title, that person will be compensated with funds taken from your title bond. Procedures for obtaining bonded title in North Carolina are fairly straightforward.

Complete a Title Application (MVR-1) and sign it in the presence of a notary public. You will need a government-issued photo ID in order to establish your identity to the notary public.

Read More: What is a Bonded Title?

Complete an Affidavit of Facts (Form 92H) and sign it in the presence of a notary public.

Take the car to a Division of Motor Vehicles License and Theft Bureau Agent for an inspection. The inspector will issue Form LT-270 if it is roadworthy, the Vehicle Identification Number is intact, and it has not been reported stolen.

Purchase an indemnity bond from an insurance company licensed by the State of North Carolina to issue such bonds, in the amount of 250 percent of the value of the car as determined by the North Carolina DMV Value Schedule.

Purchase auto liability insurance with coverage limits that equal or exceed North Carolina requirements.

Submit the Title Application, Affidavit of Facts, inspection report, proof of purchase of the indemnity bond, proof of insurance, and the filing fee ($40 plus 3 percent of the value of the car) to the local office of the North Carolina DMV. Your bonded title will be mailed to you.


  • No vehicle can be bonded in North Carolina until all outstanding liens are satisfied.

    Abandoned vehicles cannot be bonded in North Carolina.


  • If your car has a salvage title, you may repair the car and apply for a rebuilt title, which will not require you to purchase a bond.