[blparent] OFF Topic: Question about Car Titles

Sun Jan 3 01:22:54 UTC 2010

Thanks.

Jo Elizabeth

Until lions have their historians, tales of the hunt shall always glorify 
the hunters.--African Proverb

--------------------------------------------------
From: "Michael Baldwin" <mbaldwin at gpcom.net>
Sent: Saturday, January 02, 2010 6:20 PM
To: "'NFBnet Blind Parents Mailing List'" <blparent at nfbnet.org>
Subject: Re: [blparent] OFF Topic: Question about Car Titles

> Jo Elizabeth,
>
> Hi, I am blind, and have owned several cars in the state of Iowa and
> Nebraska.  Each states laws on car titling is different, so it is hard to
> say in your situation.  But normally, when you buy a car from an 
> individual,
> or a dealer, you need to get at least two things.  A signed title from 
> them
> as the seller, and a signed receipt, with the date the car was sold, any
> warranty on the car, or sold as is, and the sales price, and weather or 
> not
> it was paid in full, or if any payment terms need to be met.  Most states
> DMV (department of Motor Vehicle) will have the information on their
> website.
>
> Then you take that title, where the owner is signing the car over to you,
> and the sales receipt to your local DMV office, and they will make the
> change in their computer system, issue you a new title under your name, 
> give
> you a current registration, and a new license plate with a sticker that
> indicates the expiration of the plate.
>
> So, you do not even get the registration until the car is in your name. 
> As
> far as needing insurance to get the plates, that is pretty common anymore.
> But there is no reason your insurance agent can't insure the car with you 
> as
> the owner.  They just include you on the policy, and list you as a
> non-driver.  I have used progressive, and American family, and both
> insurance companies were able to do this.  They will also need to list
> anyone else that is driving the car.
>
> If your not able to get around the issue, you can right up a promissory
> note, which states that  the daughter is to make payments, listing out the
> payment details, and you're a lean holder on the property, which is the 
> car
> until the promissory note has been satisfactorily completed.  In this 
> case,
> the daughter will be the main owner on the title, and you will be listed 
> as
> a lean holder on that vehicle.  The vehicle can not be sold unless the 
> lean
> has been removed.  This also gives you more legal rights, IF it were to 
> come
> to that.  Might also be less expensive in the long run.  If the title is 
> in
> your name, then you give her the car after it is paid off, the title has 
> to
> be switched in to her name, and there are fees and taxes associated with
> that.  This also puts the responsibility for insurance in the daughter's
> court, and removes you from any problem if she were to get sued because of
> an accident or something, because as the owner of the car, you are
> ultimately responsible for the actions of anyone driving that car, weather
> it be an accident, drugs, or whatever.
>
> Hope this helps some.
>
> Michael Baldwin
> Got print, need Braille?
> http://www.ReadWithDots.com
>
> -----Original Message-----
> From: blparent-bounces at nfbnet.org [mailto:blparent-bounces at nfbnet.org] On
> Behalf Of Jo Elizabeth Pinto
> Sent: Thursday, December 31, 2009 4:28 PM
> To: NFBnet Blind Parents Mailing List
> Subject: [blparent] OFF Topic: Question about Car Titles
>
> Sorry for the off topic post, but you all are a great resource, and I was
> hoping someone could answer a question about car titles for me.  If you 
> want
> to take this off list, that's fine, please write to me at
> jopinto at pcdesk.net.  Thanks.
>
> The situation is that I would like to buy a used car for Gerald's
> eighteen-year-old daughter to drive, and have her make payments to me till 
> I
> get my money back and then the car is hers.  We found a safe, reliable,
> practical used car, which wasn't an easy thing to do.  The problem is, to
> get the car title in my name, I need registration.  To get registration, I
> need proof of insurance.  And to get proof of insurance, I need a valid
> driver's license, which I can't get, for obvious reasons.  Is there any 
> way
> around the problem besides putting the car in Gerald's name?  I can do 
> that
> if I have to, but I'm thinking there has to be some way of working it out.
> It's just like owning any other property, I would guess, except that I
> wouldn't actually get behind the wheel.
>
> Any help is appreciated.  Thanks.
>
> Jo Elizabeth
>
> Until lions have their historians, tales of the hunt shall always glorify
> the hunters.--African Proverb
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