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An owner-retained title may be obtained when an insurance company deems a vehicle to be a total loss and the owner keeps possession of the vehicle. The vehicle must have an active registration and must be capable of being legally and safely operated at the time of the loss. An Owner-Retained Title does not require a Salvage Inspection. Owner-retained titles require a secondary brand of Fire, Vandalism, Collision, Theft, Flood, Salt, or Other.
To apply for an owner-retained title, you must mail the following documentation to the RMV's Title Department:
Registry of Motor Vehicles
Attention: Title Department
PO BOX 55889
Boston, MA 02205-5889
Only the Haymarket RMV Service Center can process an owner-retained title, you must present the mail the following documentation:
Your vehicle remains registered and can be driven throughout the owner-retained title process and after obtaining an owner-retained title. However, it is recommended that you contact your insurance company. The insurance company may choose not to provide physical damage coverage (comprehensive and collision).
Please allow 4 to 6 weeks after receipt of the application for an owner-retained title to be processed and mailed.