Two Names On Car Title How To Remove One

Two Names On Car Title How To Remove One: A Quick Guide

A car’s legal proof of ownership is the car certificate of title. Whether for divorce, death, gift transfer, or sales reasons. Any change in car ownership should reflect on the car title certificate for proper record keeping. Sometimes a car can have two names on its title (joint owners) but fear not. The process of removing one name from the title is not a complicated one. So, if you are searching two names on car title how to remove one, your answer is here.

To remove one name from a car title with two names, the person being let go has to sign as the seller, while the individual assuming sole ownership signs as the buyer. This rule applies to all states, no matter the conjunction joining the two names on the title. 

There are several processes for removing a name from a car title. The method may differ slightly from state to state. But, it is the same process. If your question is “two names on a car title, how to remove one?”, you are on the right page. This article will deal extensively with car title removal.

Change Name On Car Registration

Changing the name on a car registration might come due to marriage, divorce, or a name change. Getting the new name on the car registration is crucial regardless of the reasons for the name change (for more insight, check out our guide on vehicle registration renewal WV).

Changing the name of a car registration requires the car owner to fill and submit a name change form and supporting documents to the state’s DMV office. A name change in the car registration often entails an update to the car title document. These processes give the car owner legal ownership of the vehicle.

These documents will be essential to get a vehicle registration name change: 

Some states require a car sale bill and proof of tax returns (if the car is new). There might also be an inspection of the vehicle before registration approval. Please note that you cannot register a car not available in your name or else with the owner’s permission in writing (this varies in some states). Check your state laws to confirm your application.

Change Name On Car Title

A car owner’s full name must appear on a car title, and the name must be the same as is in the social security details. This title is very crucial to prove vehicle ownership. Suppose there is a name change because of marriage, divorce, or other reasons. The new name should reflect the car title and match the car registration information.

To make a name change on a car title, one must complete an application form including details like:

  • The vehicle odometer reading.
  • The most recent owner information.
  • According to the ownership relationship, all signatures from individuals listed as owners on the title as the seller or buyer
  • Where there are two owners, include the connecting relationship.

All name changes must be done in person at your state DMV office.

Title vs Registration

The car registration and title are necessary documents a car owner should have. They establish ownership legalities around the vehicle. But, they are not the same thing. The two documents serve different purposes. Here are the differences between the title and the registration.

  • A car title is a document showing the vehicle’s legal owner. It includes the car model, make, history details, and year. It is a necessary document to complete a car registration procedure.
  • A car registration document is proof of complete fees and recognition for legally driving the car on public roads. It shows that the state has records of the car’s existence.
  • A car title does not require renewals and is a permanent pink slip. Changes can occur if there is a change in ownership, loan payment completion, or name.
  • Car registration requires renewal every year or two, and a fee goes with the renewal. Sometimes dealerships might give a temporary registration document pending getting one from the state.
  • A car title is transferable but requires a new title reflecting the changes. Many owners can reflect on a car title in the case of joint ownership.
  • Car registration is always for one person, except some states allow one extra person on the roll. One can only register a car with their name on the car title as an owner.

These two documents are always a requirement for legal driving in any state. They serve different purposes, but providing both papers is always required.

Removing A Name From A Car Title

The need to remove a name from a car title might come due to divorce, death, gift, or vehicle sales. Different procedures for removing a character from a car title can differ from state to state. It is essential to check your state procedure, but here is a general way to remove a name from a car title. 

Two Names On Car Title How To Remove One: Step #1. Get Consent

Ensure to get the consent in writing or a consent form from the person whose name you are removing. It is always easier if you are the one pulling your name. Check for the phrasing in words to determine the proper procedure to take.

If the title has three or more names and goes with “or” in the name pattern, you need only one person’s consent to remove a name.

But, if the phrasing says “and” only, all parties must agree to any name removal. This process is vital to protect the interests of the co-owner or owners. Before proceeding, get the consent of the other name on the title.

Two Names On Car Title How To Remove One

Two Names On Car Title How To Remove One: Step #2. Find Out The Right Procedure

Check online for your state’s requirements for a name change application. Some states use the process of third-party car sales, while some remove the name without much ado. Other states may require an affidavit to remove the name from the title. Ensure you know your state process and follow it accordingly.

Two Names On Car Title How To Remove One: Step #3. Get All Necessary Documentation

Gather all necessary documents like driver’s licenses from both parties, death certificates if needed, affidavits, insurance documents, and current car mileage. Making these documents readily available saves time. Removing the name on a car title might also mean an insurance name change.

Two Names On Car Title How To Remove One: Step #4. Pay Attention And Complete The Transfer

It is important to note important details, so you do not get anything wrong. The wrong information will disqualify your request. Some states will ask for a notarized signature. Note that the seller is the person going out of the record, and the buyer is the one remaining on the title deed. Both the buyer and seller need to sign for the change to be valid.

Two Names On Car Title How To Remove One: Step #5. Go To A DMV Office

Go to your state DMV office close to you with all the paperwork requirements. Some states accept mail delivery. Some states require vehicle license plates, which is why it is necessary to have prior knowledge of your state process.

Two Names On Car Title How To Remove One: Step #6. Update Insurance Info

This part is as important as removing the name on a car title. The car title and insurance must have the same name. Once you get a new title, ensure to update your insurance information for good insurance services.

After submission and review, you will get a new title reflecting the name removal and maybe a new license plate using the new name. Removing a car title name is a very straightforward procedure.

Considerations Before Removing A Name

Before you proceed with removing a name from the car title, there are several important considerations to take into account. First, understand the legal implications. Removing a name from the title may affect ownership rights, so it’s crucial to discuss the matter with all parties involved and possibly consult a legal professional.

Second, consider the financial implications. If there is an outstanding loan on the vehicle, the lender may need to approve the name removal. Additionally, the person whose name is being removed may want to be compensated for their share of the vehicle’s value.

Lastly, consider the tax implications. Depending on your state, removing a name from the car title may be considered a transfer of ownership and could incur taxes.

Considerations #1: Additional Documentation

In addition to the documents mentioned in the step-by-step process, there may be other documents required depending on your specific situation. For example, if you are removing a name due to divorce, you may need to provide a copy of the divorce decree. If the person whose name is being removed is deceased, a copy of the death certificate and a copy of the will or other document proving the right to the vehicle may be required.

Considerations #2: Errors on The Title

Errors in the title, such as misspelled names or incorrect addresses, should be corrected before proceeding with the name removal. Any discrepancies in the information could cause delays in the process or could result in the application being rejected.

Considerations #3: Refinancing The Loan

If there is an outstanding loan on the vehicle, it may be necessary to refinance the loan before removing a name from the title. The person whose name is being removed will likely want to be removed from the loan as well, and the lender may require the remaining person to qualify for the loan on their own.

Considerations #4: Updating Registration and Other Documents

Once the name has been removed from the title, it is important to update the vehicle registration and any other documents related to the vehicle. This may include the vehicle’s warranty, maintenance records, and any roadside assistance programs.

Considerations #5: Selling The Vehicle

If the reason for removing a name from the title is to sell the vehicle, it may be easier to sell the vehicle and transfer the title to the new owner rather than removing a name first. This can simplify the process and may be necessary if the person whose name is being removed does not agree to the removal.

Considerations #6: Joint Ownership Agreement

In some cases, it may be beneficial to create a joint ownership agreement before removing a name from the title. This agreement can outline the rights and responsibilities of each party and can help avoid disputes in the future.

Removing a name from a car title is a relatively straightforward process, but there are several important considerations to take into account. It is essential to understand the legal, financial, and tax implications, and to gather all necessary documentation before proceeding.

Additionally, it may be necessary to refinance any outstanding loan on the vehicle, update the vehicle registration and other documents, and create a joint ownership agreement if necessary. By carefully considering all aspects of the process and following the appropriate steps, you can successfully remove a name from a car title.

Lienholder Issues

Things will be slightly different if a lienholder is on the title due to a loan or lease on the car. The lienholder must agree to any changes you make to the title. However, if there is no loan due to pay off. You will not need the permission of the lienholder

Before any changes are made to the title, including adding a name, Removal of name, joint ownership, sale of a car, etc., the lienholder has to permit changes to the car title until the loan is paid in full. The vehicle is not yours entirely.

Add Name To Car Title

It is impossible to add a name to a current car title. Instead, you must apply for a new certificate. The process involves the current car owner signing a transfer of ownership to the other party and the other parties applying for a new title. 

Adding a name to a car title will warrant that new owners get car insurance against accidents or vehicle damage. States have slightly different procedures for adding names to a car title but follow the same process. Here is how to add a name to a car title: 

  • Get a name addition application form from your state DMV website. 
  • Add both parties’ names to the buyer section.
  • Note if the title says “name AND name.” You will need both parties’ signatures if it uses the word “AND.” If it uses “OR,” only the car owner’s signature is necessary. Getting this conjunction is very important.  
  • Include other details and submit the form with other necessary documents depending on your state requirements. 

Adding a name to a car is close to transferring a title transfer during a car sale, except adding a name is like selling the car to yourself. The additional name might be a spouse, partner, or family member.

Car Title Joint Ownership

Car title joint ownership is a smart move by most couples to hold the car title as joint tenants with the right of survivorship. Joint ownership gives the co-owner the right to own the vehicle after the other party dies. It makes the vehicle transfer easy and fast. 

Getting a vehicle joint tenancy differs significantly within states. Some states like Oregon do not need any transfer procedure when a co-owner dies. The surviving part automatically owns the vehicle. In other states like Kentucky, this rule only applies to husband and wife co-owners.

In other states like Texas, the title certificate must show you own the car together to get ownership without probate. The DMV offices in such states spell out what they want the certificate to say and require both owners’ signatures.

It is important to note that creating joint ownership to avoid probate is bad. Joint ownership means that you have only half-interest in the vehicle. You can only get back full ownership of the vehicle with the approval of the co-owner. Things like default in tax, loans (meanwhile, check out our review of Capital One auto loan rates and what is a good APR for a car), etc., will affect both owners.

If one owner dies, the surviving partner becomes the vehicle owner and can change the car title to reflect their name. Proof of Death is necessary at this point. There might be a fee. Before undertaking joint ownership, ensure you know what your state rules stipulate.

Two Names On Car Title How To Remove One

Remove Name From Car Title After Divorce

Cases of removal of name due to divorce are a special one. The change has to be per the divorce agreement. The car title must reflect who got full ownership. The loser will sign as the seller. And the gainer is the buyer, making them the sole owner of the vehicle.

Some states charge a tax for a title change, but in divorce cases, some remove the tax charge. The DMV office handles all instances of vehicle title changes. Check the rules before you proceed to get it right.

Remove Name From Car Title After Death

The act of removing a name from a car title after death takes a different path. The co-owner can choose to keep using the case under the name it is currently on or to prepare the necessary paperwork for a new car title. 

These documents would include the death certificate if the title was in the surviving member’s name and an affidavit in the case of a will enaction by an executor. Having an attorney handle the ownership transfer is essential, so you do not make mistakes, especially when a vehicle ownership transfer uses an executor.

Registering Someone Else’s Car In Your Name

It is not allowed to register someone else’s car in your name. There is a requirement that needs proof of vehicle ownership for registration. This requirement makes it almost impossible to register someone else’s car in your name. However, there are some states that allow the registration of a vehicle you do not own.

These states allow this discrepancy only if you have approval from the owner in a consent form or by using the Power of Attorney. The various rules guiding different states regarding car titles make it challenging to understand what to do. But a visit to your state DMV office or website will provide all the information you need.

Car Title Change – Facts You Need to Know

  1. Removing a name from a car’s title may be necessary due to inheritance, divorce, or gifting the vehicle to someone else.
  2. The process of removing a name from a car’s title is like a sale or transfer of ownership, and there are some technical details to consider.
  3. The person being removed from the title should complete the back of the title certificate as if they were selling the car, and the remaining person will be listed as the buyer.
  4. The legal implications of names appearing on the title as “and,” “or,” or “and/or” will affect how the transfer of ownership can be completed.
  5. If there are one or more lienholders on the original title, the loan must be paid in full, or the lienholder must agree to the change before the name change can be made.
  6. The form on the back of the title certificate must be completed thoroughly and neatly. Some states require signatures to be notarized, while others require in-person visits to the DMV.
  7. In the event of a divorce, some states may waive the sales tax when the title is changed if a divorce order is presented.
  8. A gift of a car from one person to another requires the title to be changed with the sale price listed as $0, which may avoid a sales or use tax.
  9. Donating a car to a recognized 501(c)(3) charity requires the same process as a transfer, with the charity or its authorized representative listed as the “buyer” and a sale price of $0.
  10. When an owner listed on the car title passes away, additional steps, such as submitting an affidavit or certificate, may be necessary. Consulting a probate attorney is advisable to ensure the transfer is completed properly.

Two Names On Car Title How To Remove One: Frequently Asked Questions (FAQs)

Here are some popular FAQs:

How To Sign A Car Title Over To New Owner

The two parties must be present to sign a car title to a new owner. The seller will release the ownership of the vehicle by signing the title over. The buyer will then submit the signed title to his DMV office for the state to issue a new vehicle title and registration. Other paperwork like the sale of transfer or ownership might be necessary for some states.

How To Find Registered Owner Of Vehicle

You can find the vehicle’s registered owner on your local DMV website. Access is free using a legitimate request. Input the car registration number on the website, and all information about the owner will reflect.

Can A Co-signer Become The Primary

No, a co-signer has no legal ownership rights and therefore cannot become the primary. Though the co-signer is on the vehicle’s paperwork, it only makes them liable for payment but does not indicate vehicle ownership.

How To Change Title On Car

To change the title on the car, the seller will sign the title, releasing the vehicle ownership. The buyer will take the signed paperwork to the DMV office to get a new title showing him as the car’s new owner. The bill of sale might also be necessary for title application completion.

How To Remove Co Owner From Car Title

Removing the co-owner from the car title involves getting the co-owner’s consent in writing and signature, getting all state requirements like death certificate, affidavit, driver’s license, and insurance, and submitting the paperwork to the DMV office after paying a fee. The office will process the request and issue a new car title.

How To Find The Owner Of A Car

You can find the owner of a car by doing any of the following: Using online resources like the DMV website and the car registration number to find the car owner, by informing the police, who will search through their archives for the car owner using the car registration number, by using the car documents to determine the car owner.

How To Remove A Name From Car Title

To evict a name from a car title, the person whose name is being removed will assume a seller position and sign the back of the title over to the car’s owner or who the vehicle is going to (buyer). It is similar to a sales handover, but there is no actual sale involving money in this case.

How Many Cars Can You Have In Your Name

There is no limit or restriction to the number of cars you can have in your name. However, you must get a dealer license if you intend to sell the vehicles. Each car has to have its title and registration because the car details are different except for the name and address.

Does Your Car Insurance And Registration Have To Be Under The Same Name

Yes, your car insurance and registration must be under the same name. Any discrepancies in name will lead to faults while trying to get insurance payment in the event of damage. If you change the car registration, ensure the exact change reflects on your car insurance papers.

Where To Sign A Pink Slip

The car owner signs on the first page (the signature below releases interest in the vehicle). The rest of the signatures are for the buyer to sign. If they are the conjectures and between two names, the parties should get a pink slip release signature to validate the transfer. Note the use of conjunctions and the number of names on the document before signing.

Is A Co Signer On The Title Of A Vehicle

No, a co-signer is not on the title of a vehicle. A co-signer has no entitlement to the ownership of a vehicle even if the co-signer is on the car loan document. In that case, they serve only as a loan guarantor and not an owner.

How Do I Remove My Bank From My Car Registration

You can remove your bank from your car registration only when you have paid off any loans on the car. The bank will sign the car ownership to you, and you can proceed to get a new car title.

Do I Pay A Fee To Change Name On My Car Title

Some states charge a small fee to change the name on a car title. There are also exceptional circumstances that do not require any payment. The good bit about a car title is that it needs no renewal.

Can Your Spouse Take Your Vehicle

Like every other property that belongs to both spouses during the marriage, vehicles belong to both parties. Both husband and wife have an equal legal right to the vehicle and are entitled to fifty percent of the car value. One spouse cannot take the vehicle without the permission of the other.

Two Names On Car Title How To Remove One: In Conclusion…

The procedure is like a transactional deal, no matter the reason for making changes, whether removal or addition to a car title. There are many details to note, especially the DMV rules guiding your state. Having different names on a car title and registration is not wise and can land you in trouble.

Different states have different procedures for car title issues, but they all need almost the exact requirements. Before proceeding, it is important to find out what the DMV rules are in your state. We have thoroughly exhausted all you need to know about “two names on the car title and how to remove one,” and know it will give you an idea of what to do.

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