Georgia Title Transfer: Step-by-Step Guide for Buyers & Sellers
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Buying or selling a vehicle in Georgia is a transfer of ownership. The buyer becomes the vehicle's new owner while the seller releases their claim. A Georgia title transfer documents the transaction, providing proof it occurred.
Both parties benefit from the legal protection a title transfer offers. Knowing how the title transfer process works saves time and avoids unnecessary delays.
Georgia Vehicle Title Transfer Requirements
The basic title transfer process involves several documents:
- Vehicle Title: Lists the car's current owners and includes space to sign over the vehicle to a buyer.
- Form MV-1 Title and Tag Application: Used to apply for a new title in the buyer's name.
- Georgia Bill of Sale: Outlines the vehicle sale terms.
If you're transferring a vehicle in one of Atlanta's 13 metro counties, an emissions test may be required before it can be titled in the new owner's name. Buyers may also owe a sales tax at the time of registration.
Buyers who purchase a vehicle from a licensed dealership won't have to worry about a title transfer. The dealer will handle the title paperwork. However, other types of transfers require a careful eye. It's critical to follow the proper steps for a secure transaction.
How To Transfer a Title in a Private Sale
In a private sale, the vehicle's owner fills in the appropriate spaces on the back of their title to transfer ownership. Owners list their full legal name and address and the vehicle's current odometer reading.
The seller and buyer print their full legal name and sign the title. Buyers should carefully review the title for accuracy before signing it.
The buyer retains the old title, as they'll need it to register the car in their name. However, sellers may wish to keep a copy for their records.
Title Transfer for Inherited Vehicles in Georgia
An inheritance car title transfer in Georgia is more complex than a standard sale.
The inheritor must have the original title plus an inheritance document to title the car in their name. Inheritance documents can include a certified copy of:
- Letters of Testamentary or
- Year's Support
If either document isn't available, the inheritor completes the Affidavit of Inheritance Form T-20. They must also provide a certified copy of the deceased individual's death certificate.
If the vehicle has a lien, the inheritor can request a release using the Lien or Security Interest Release Form T-4 before titling it in their name.
Immediate family members who inherit a vehicle may be eligible for a Title Ad Valorem Tax (TAVT) exemption. An exemption allows you to bypass the standard 7% TAVT. Instead, you may pay a 0.5% reduced TAVT based on the car's fair market value. You'll complete the Affidavit to Certify Immediate Family Relationship Form MV-16 to qualify for the exemption.
Transferring an Out-of-State Title to Georgia
Residents who want to transfer an out-of-state vehicle can start by completing a Georgia application for title. If the car is under a lien, the Georgia DOR will contact the financial institution to obtain its title. Otherwise, you must have the vehicle's out-of-state title and registration in your name.
The Georgia DOR requires out-of-state vehicles to undergo a Certification of Inspection with a law enforcement officer. The officer completes a form verifying the vehicle's identification number (VIN) and supporting documents.
Vehicle owners must have a Georgia driver's license or identification card to complete the title transfer. They should also have Georgia car insurance coverage that meets state requirements.
Handling a Title Transfer with a Lienholder
Lienholders retain a security interest in a title transfer. To remove the lien, the owner must satisfy it. If you buy a new or used vehicle from a dealership and finance it with a lender, the dealership will submit the required paperwork to the Georgia DOR. You can title and register it in your name using the Form MV-1 Title and Tag Application.
Private sellers need a lienholder's permission before selling a vehicle with a security interest. A car with a lien won't have a clear title, so the owner must satisfy the lien interest before they can enter into a sales transaction.
What To Do If a Title Is Lost or Damaged
If you lost your title or it's damaged, you can request a duplicate title using the Form MV-1 Title and Tag Application. If you still have the damaged title, bring it to your local County Tag Office. Expect to pay an $8 fee for the service.
Avoiding Common Mistakes in the Title Transfer Process
Errors during a Georgia car title transfer can cause delays. Avoid common mistakes by:
- Double-checking information provided on the title
- Confirming that the buyer and seller signed the title
- Gathering all the documents you need before visiting the County Tag office
Also, consider any fees you may owe for the titling process. You'll want the money handy so you can quickly pay the bill and finalize registration.
Make Sure You Have the Right Car Insurance After a Title Transfer
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