I can’t locate my title and I need for insurance purposes. My car was declared a total loss due to trees falling on my garage roof causing the garage door opener, frame, and roof to crash into the back of the car. How much is a replacement title?

A) I’m sorry to hear about the incident with your car. However, I must clarify that the process and cost of obtaining a replacement title can vary depending on your location. Generally, you would need to contact your local Department of Motor Vehicles (DMV) or a similar agency responsible for vehicle registration in your area to inquire about the specific requirements and fees for obtaining a replacement title.

In most cases, you would need to fill out an application form and provide proof of ownership, such as a bill of sale or registration documents, along with any additional documentation that the DMV may require. The cost of a replacement title can also vary depending on your location and the policies of your local DMV. It’s best to directly contact your local DMV office or visit their website to get accurate information regarding the cost and process of obtaining a replacement title in your specific situation.

To replace a lost or missing car title in Illinois for example, you can follow these steps:

1. Obtain the Application for Vehicle Transaction(s) (Form VSD 190): Visit the Illinois Secretary of State (SOS) website or your local SOS office to download or obtain a copy of Form VSD 190. This form is used to apply for a replacement title.
2. Complete the form: Fill out Form VSD 190 with the necessary information. Provide accurate details about yourself, the vehicle, and the reason for requesting a replacement title (in this case, indicate that the original title was lost).
3. Gather required documents: Along with the completed form, you will typically need to provide additional documents to support your request. The specific documents required may vary depending on your situation, but generally, you will need:
   • A copy of your driver’s license or state ID card.
   • Proof of vehicle ownership, such as vehicle registration or a bill of sale.
   • Any other supporting documents as requested by the SOS.
4. Pay the replacement fee: There is a fee associated with obtaining a replacement title in Illinois. As of my knowledge cutoff in September 2021, the fee for a replacement title was $95. However, fees may change over time, so it’s recommended to check the current fee on the Illinois SOS website or by contacting your local SOS office.
5. Submit the application and fee: Mail the completed Form VSD 190, the required supporting documents, and the applicable fee to the address provided on the form. Alternatively, you can submit the application and fee in person at your local SOS office.
6. Await processing: After submitting your application, it will be processed by the Illinois SOS. The processing time can vary, so be prepared to wait for a few weeks to receive your replacement title.

It’s important to note that the fee and specific requirements may have changed since my last update in September 2021. Therefore, it’s recommended to check the current fee and requirements on the Illinois SOS website or contact your local SOS office for the most accurate and up-to-date information.