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Apply for an owner-retained title

To apply for an owner-retained title, the vehicle must have an active registration and must be capable of being legally and safely operated on a public way at the time of the loss.
You must apply for an owner-retained title within 10 days of receiving the settlement from the insurance company.

Registry of Motor Vehicles

Phone

From area codes 339, 617, 781, and 857, or from outside Massachusetts

From all other Massachusetts area codes

For people who are deaf or hard-of-hearing (in Massachusetts)

The Details

What you need

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.

Fees

Name Fee Unit
Title Fee $75 each

How to apply

To apply for an owner-retained title, you must mail the following documentation to the RMV's Title Department:

  • Certificate of Title
  • A copy of your active registration
  • An Appraisal Report from your insurance company
  • A completed Application for Salvage Title (RMV-1 Form), clearly marked as "Salvage Repairable" and with the appropriate secondary brand(s)
  • $75.00 title fee payable to MassDOT

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:

  • Certificate of Title
  • A copy of your active registration
  • An Appraisal Report from your insurance company
  • A completed Application for Salvage Title (RMV-1 Form), clearly marked as "Salvage Repairable" and with the appropriate secondary brand(s)
  • $75.00 title fee

More info

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.

Contact

Phone

From area codes 339, 617, 781, and 857, or from outside Massachusetts

From all other Massachusetts area codes

For people who are deaf or hard-of-hearing (in Massachusetts)

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