what to do with license plates when car is totaled

3 min read 22-12-2024

what to do with license plates when car is totaled

Dealing with a totaled car is stressful enough without the added confusion of what to do with the license plates. This guide will walk you through the necessary steps, ensuring a smooth and compliant process. Knowing how to properly handle your license plates after a total loss is crucial to avoid potential penalties or complications.

Understanding the Process: License Plates After a Total Loss

When your vehicle is declared a total loss by your insurance company, you no longer own the car. This means the license plates are no longer associated with that vehicle. You must return or surrender them to the appropriate authorities. Failing to do so could result in fines. The exact process varies slightly depending on your location (state or province).

Step 1: Contact Your Insurance Company

Your first step is to contact your insurance provider. They'll guide you through the claims process, which often includes procedures for handling the license plates. They may have specific instructions or forms you need to complete. Keep detailed records of all communication.

Step 2: Locate Your License Plate(s)

Before contacting the DMV or equivalent agency, locate your license plates. Make sure you have both the front and rear plates. If one is missing, you'll need to explain this to the authorities. A police report might be necessary in such cases.

Step 3: Surrender Your Plates (the Most Common Method)

Most states and provinces have a straightforward process for surrendering license plates after a total loss. This typically involves:

Visiting your local Department of Motor Vehicles (DMV) or equivalent agency: This is the most common method. You'll need to bring your insurance paperwork (total loss claim) and your license plates. They'll likely have a specific form for you to complete.
Mailing your plates: Some jurisdictions allow you to mail your license plates back to the DMV. Be sure to follow their instructions carefully, including using certified mail with return receipt requested to prove delivery. This is especially important for verification.
DMV Online Services: In some areas, you might be able to initiate the license plate surrender through the DMV's online services. Check your local DMV website for details.

Important Note: Always keep a copy of your paperwork for your records, including proof of mailing or online submission.

Step 4: What if You've Already Purchased a New Vehicle?

If you've purchased a replacement vehicle, you'll need to obtain new license plates. The process for this will be handled separately from the surrender of your old plates. Be sure to check with your state's DMV about transferring plates from one car to another—it may or may not be possible.

Step 5: Documentation and Receipts

Keep copies of all documents related to the process: insurance claim documentation, receipts from mailing the license plates, confirmation of online submission, and any other relevant paperwork. This detailed record is essential for your protection.

Dealing with Specific Situations

Lost or Stolen Plates: If your license plates were lost or stolen before your car was totaled, report it to the police immediately. You'll need a police report to explain the situation when surrendering your plates (or applying for replacements).
Personalized Plates: The process for surrendering personalized plates may differ slightly from standard plates. Check with your DMV for specific instructions. You might have the option to transfer them to a new vehicle, depending on your location.

FAQs

Q: What happens if I don't return my license plates?

A: Failing to return your license plates after a total loss can result in fines and penalties. The specific penalties vary by location, but they can be significant.

Q: Can I keep the plates as a souvenir?

A: No. License plates remain the property of the state or province. Keeping them is illegal.

Q: What if my car is salvaged?

A: Even if your totaled car is salvaged, you still need to surrender the license plates. The salvage yard does not automatically inherit the plates.

Q: Can I use the license plates on another vehicle?

A: No. License plates are vehicle-specific. Using plates from a totaled vehicle on another car is illegal.

By following these steps, you can ensure a smooth and legal process for handling your license plates after a total loss claim. Remember, each state/province has its own regulations, so always consult with your local DMV or insurance provider for accurate and up-to-date instructions. Proactive handling of this situation will save you time and potential legal problems.