How to Get a Michigan Bonded Title

A Michigan bonded title is a legal document used to establish ownership of a vehicle, snowmobile or watercraft when the original title is lost, unavailable or can not be transferred. 

It allows individuals who purchase a vehicle without a proper title to obtain legal ownership while protecting the Secretary of State and future vehicle owners from financial losses or damages.

Continue reading for step-by-step instructions, application costs and bonding information.

Who Needs a Michigan Bonded Title?

Michigan Vehicle Code Section 257.217 requires individuals who don't have proof of vehicle ownership to file a surety bond. Typically, you will need a Michigan bonded title under these conditions:

• You did not receive a title when you bought the vehicle.
• The title you received was incorrectly assigned to you.
• You received a title but lost it before transferring it into your name.

How to Get a Bonded Title in Michigan

Simply follow the steps below to receive your Michigan bonded title(s).  

Step 1: Determine your vehicle’s appraisal value

First, determine your vehicle’s appraisal value. The title bond amount must be two times the value of your vehicle. You can use Kelley Blue Book to appraise your vehicle or contact the Michigan Secretary of State Vehicle Title Division.

Step 2: Purchase a Michigan title bond

You can buy your Michigan certificate of title bond online 24/7 at SuretyBonds.com. Your premium cost will be based on your vehicle value and bond amount, starting at $100 for the required three-year term.

Step 3: Complete the bonded title application

1. Obtain Form BDVR-154 from the Michigan Secretary of State for vehicles and snowmobiles or Form WR-11L for watercraft.
2. Fill out the application. Include your personal information, vehicle details (make, model, year, VIN), and details about the surety bond (bonding company name, bond amount, etc.).
3. Sign and date the application.
4. Provide supporting documentation including proof of ownership, the signed bond form and proof of vehicle inspection to verify the vehicle's condition and VIN.

Step 4. Submit the application

Submit the completed title application form, surety bond form and other supporting documents to your local Secretary of State branch office. Once approved, you will typically receive your bonded title within a few weeks.

Do I Need to Renew My Bonded Title? 

Your Michigan bonded title and title bond will expire three years from the effective dates and won’t require renewal. 

More Resources

• Michigan Vehicle Title Application
• Michigan Watercraft Title Application
• Michigan Department of State: Vehicle Uniform Surety Bond Form
• Michigan Department of State: Recreational Vehicles and Watercraft
• Michigan Department of State: Vehicle Titles