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A vehicle with a clean title has never been in an accident severe enough to be deemed a total loss by an insurance company. Even if a car with a rebuilt title is repaired to the highest standard, it will always have a nasty accident in its past, bringing down its cash value.
In short, you need a bill of sale in order to obtain a title. Think of the two documents as complementary. While a bill of sale certifies a transfer of ownership between two parties, a title certifies the buyer's legal ownership. It's the final step in the process and proves that the buyer is the legal owner.
Any person buying or accepting a car in New York must: Sign the bill of sale. Pay sales tax or present proof of exemption. Register and title the vehicle.
Important information about New York State Salvage Certificates (MV-907A) When the Salvage Certificate (MV-907A) is the proof of ownership for a vehicle, the applicant must complete the salvage vehicle examination process in order to get a title.
What is a salvage vehicle? By law, a 'salvage vehicle' is a vehicle that. was transferred to or acquired by an insurance company with a Salvage Certificate (MV-907A) because it has significant damage (because of a collision, theft, vandalism, or from water)

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You will get your title in 3-5 weeks The volume of applications for salvage examinations can vary greatly throughout the year.
The DMV will not register a vehicle or issue a title certificate for a vehicle if there is no salvage disclosure statement. The dealer must confirm on the bill of sale that the buyer was notified that the vehicle was damaged.
Retail Certificate of Sale (MV-50) (aka 'Dealer's Bill of Sale'). The proof of ownership for a used vehicle is the title certificate that the previous owner signed to transfer the ownership to the dealer and a form MV-50 that the dealer signs to transfer ownership to you.
New York 907A: A New York 907A is an ownership form assigned by an insurance company to a vehicle that has been declared a total loss from Fire, Vandalism, Collision, Theft or Flood in New York State. Most other states including Pennsylvania will not accept a New York 907A as proof of ownership.
What is a salvage vehicle? By law, a 'salvage vehicle' is a vehicle that. was transferred to or acquired by an insurance company with a Salvage Certificate (MV-907A) because it has significant damage (because of a collision, theft, vandalism, or from water)

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