Chapter 5, Section D:|
Titling a Vehicle in the Names of Two or More Owners
Revised September 5, 2008
When an applicant for a vehicle title wishes to title the
vehicle in the names of two or more owners:
- The owners' names must appear on
the Original Title
exactly as they do on the Assignment.
The names listed in the dealer’s assignment of the MCO or Title MUST be the same names listed when issuing the original Title.
AND the words
used to connect two or more names on the MCO assignment must be
those used when issuing the Title.
- An individual may add
his or her spouse’s name with Bill of Sale.
If an owner to
whom the dealer’s assignment is made on the MCO or Title wants to add the
name of a spouse, he or she may do so at the time of the
original title transaction. A bill of sale from the purchaser to
the name of the purchaser and spouse must be completed. The bill
of sale should state “adding name of spouse.” The lien holder,
if any, must give written permission. There is no
additional charge to add the name of spouse as long it is done
before the Title is issued in only one name.
- Adding a name other than a spouse.
If a purchaser to whom the dealer’s assignment is made on the
MCO or Title wants to add another person’s name, he or she may do so
at the time of the original title transaction. A bill of sale must
be completed from the purchaser to the name of the purchaser and the
other person. The bill of sale should state “adding another name to
title.” The lien holder, if any, must give written
permission. There is no additional charge to add the name of the
other person, so long it is done before the title is issued in only
- A lien holder’s permission is required to
add names to Title.
vehicle is encumbered, the owner must obtain the written
permission of the lien holder to add any names to the Title or
to change the words used to connect the names of owners on the
- Owners' names joined by the word “or”
When the owners’ names on the Title are joined by the word “or,”
only one signature is required to apply for, assign or encumber
- Owners' names joined by the
When the owners’ names shown on the Title are joined by the word
“and,” BOTH owners must sign the Application for Title, to assign
the Title or to encumber the vehicle.
- Do not use “and/or.”
Do not use “and/or” in combination when preparing a vehicle
Title unless the names are connected that way on the MCO
assignment. Use the word “and” or the word “or” alone, depending
on the wishes of the owners, after you have explained the
difference. Do not
use any other form to connect the names of two or more
Note: If the names of the
registered owners shown on the assignment on the MCO are not
joined by the word “and” or the word “or,” indicate joint
ownership with the word “and” on the Title Application.
- Changing the Connective
A bill of sale indicating the change is required to change the
connective of registered owners.
When changing the connective from “and” to “or” all signatures
joined by the word “and” are required. Indicate on the bill of sale
To change the connective from “or” to “and” only one of the
registered owners must sign the bill of sale; however, all
signatures of owners to be joined by “and” are required on the Title
- Out-of-State Titles
The above guidelines may not apply to out-of-state titles due to
different laws of that state (for example, if an out-of-state title
shows “and/or”) Refer to the Chart Section of this manual or to the
current R. L. Polk book for other states' requirements.
- Two owners with “or” connectivity and one wants out (no lien)
The owner who wants his name removed from a title must have the
other owner process the title change. The title application must be
signed by the person whose name will be on the new title.
- Two owners with “and” connectivity and one wants out (no
The current title re-assignment will show both persons as sellers
and the person keeping the vehicle as the buyer. If both do not
agree to this process then it becomes a legal matter outside of MVD.