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PennsylvaniaTitle Reference GuideThe IAA Vehicle Alternate Method of Disposal Guide is a proprietary document prepared solely for internal use byInsurance Auto Auctions, Inc., its subsidiaries and affiliated entities (“IAA”). No part of this document is to be photocopied,reproduced, stored in a retrieval system, transmitted electronically, or disclosed to a third party without prior writtenconsent of Diversified Services Administration or IAA Executive Management. 2013. Insurance Auto Auctions, Inc.
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Table of ContentsContact Information . 3Title and Disposal Information . 4Standard Title Processing . 4DMV Title Fees . 4Duplicate Title . 4Additional Information . 5Deceased Owner Requirements . 5Repossessed Vehicle . 5Name Changes . 5Owner Retain . 5Un-Recovered Theft. 5Alternate Disposal . 5State Guidelines . 6Title Requirements by Vehicle Type . 6Title Branding Guidelines . 7Determining the Correct Title Type . 8Frequently Asked Questions . 8What is required to correct a mistake that is made by the owner on the back of the title? . 9Is a copy of the written estimate needed to process the title? . 9What type of PoA is required if the title is not signed? . 9If an owner’s full name is listed, does he/she need to sign as listed on the face of the title? . 9Example Documents . 10Pennsylvania Title (Front) . 11Pennsylvania Title (Back) . 12Glossary . 13Index . 15Please note - This document is intended to cover most requirements for obtaining a negotiable, lien-free title. Itis not intended to replace motor vehicle department regulations or rulings. If you have title questions pleasecontact IAA’s Title Solutions Department (TitleSolutions@iaai.com).Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 2
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Contact InformationIAA Website:http://www.iaai.comTitle Questions:IAA – Title Solutions7835 Woodland DriveSuite 200Indianapolis, IN 46278Toll Free: 888-698-4853FAX: 855-584-5198TitleSolutions@iaai.comIAA Locations in Pennsylvania:Altoona15369 Dunnings HwyEast Freedom, PA 16637Phone: 814-695-4776Fax: 814-695-3116Auction: Bi-Wednesday,10:00 AM ETMotor Vehicle Department:Pennsylvania DOT1101 South Front StreetHarrisburg, PA 17104Phone: 717-412-5300www.dmv.state.pa.usPhiladelphia100 Industrial WayConshohocken, PA 19428-1058Phone: 610-277-0894Fax: 610-277-9276Auction: Friday at 9:00 AM ETBridgeport396 E. Schuylkill River RoadBridgeport, PA 19405Phone: 610-279-7123Fax: 610-279-3346Auction: Thursday at 9:00 AM ETPittsburgh57 Woodlawn RoadAliquippa, PA 15001Phone: 724-375-6130Fax: 724-375-6975Auction: Bi-Tuesday at 9:00 AM ETErie261 Hamilton RoadGarland, PA 16416Phone: 814-563-3113Fax: 814-563-4921Auction: Bi-Thursday 9:00 AM ETPittsburgh-North49 Bairdford RoadGibsonia, PA 15044Phone: 724-443-7881Fax: 724-443-7888Auction: Bi-Tuesday 1:00 PM ETHarrisburg5515 Susquehanna TrailManchester, PA 17345Phone: 717-266-8701Fax: 717-266-8705Auction: Bi-Wednesday 1:00 PM ETScranton103 Thompson StPittston, PA 18640Phone: 570-654-1709Fax: 570-654-5010Auction: Tuesday at 10:00 AM ETPlease direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 3
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Title mistakes can be costly and can significantly delay the sale of salvage vehicles. Catching these potentialerrors before the title paperwork goes to the auction can prevent title problems that will delay a vehicle’s sale byweeks or even months.Title and Disposal InformationStandard Title ProcessingIAA will apply for the appropriate title in the Provider’s name. In order to initiate this process the vehicleprovider must supply the following documentation: Properly Executed Title – If owner held title at time of loss, then the provider must send a title that hasbeen properly executed by the owner or the title including the correctly executed Power of Attorney(PoA.) If the lienholder possessed the title at the time of the loss, then the provider must send theunsigned title with a lien release if applicable or lienholder signed off on title, and a notarized Power ofAttorney signed by the owner.Lien Release (if applicable) – Lien to be satisfied and dated on the face of title, or include separatesigned lien termination statement on lienholder letterhead with a vehicle description and owner’sname(s).Odometer Disclosure – Odometer disclosure is required for vehicles less than 10 model years. Thiscan be accomplished on the title or with a separate odometer statement, signed by the owner. Mileageshould be stated with a verified reading and should not be an estimate or guess.If IAA is not processing the title, please attach the properly executed sale document and any additionalrequired forms as outlined above to a coversheet with your selling instructions noted. Forward thesedocuments to the appropriate IAA Branch.DMV Title FeesPlease contact your local IAA Branch or DMV for up-to-date feesDuplicate 22.50SalvageNo FeeDuplicate TitleWith the owner’s cooperation, IAA can apply for a duplicate title.IAA will need: Two (2) generic notarized Power of Attorney forms signed by all owners Lien Release, if applicablePlease direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 4
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Additional InformationDeceased Owner Requirements If ownership listed on title are husband and wife with “and” between their names, or Joint Tenants withRight of Survivorship (JTWROS) - need an original Death Certificate, execution of Form MV-39, andPoA or signed title by surviving spouse.If Tenants in Common - need Letters of Testamentary and PoA, or signed title by appointee.Repossessed Vehicle On a repossessed vehicle, the lienholder must obtain title in their name.Name Changes If the insured’s name is different than the name that appears on the title (i.e. different last name ornickname instead of first name), a copy of the marriage license, divorce decree, or court documentstating legal name has changed may be required in addition to the signed title. Please contact aPennsylvania branch if questions arise.If name on title is completely different, this could be a situation where the owner purchased the vehiclefrom someone and did not title it properly. In this scenario the owner will be required to pay sales taxesand have the vehicle titled properly before it can be sold. Contact your local IAA branch or TitleSolutions for assistance in resolving these situations. Title Solutions requires written approval via emailor fax from provider before providing assistance.Owner Retain If the vehicle has been declared a total loss by the provider and deemed repairable, the owner may retainthe vehicle but must obtain a salvage title.The owner must provide proof of salvage title to Insurance company prior to being paid.Un-Recovered Theft The provider is required to obtain a “Theft” branded salvage title in their name because the provider willneed proof of ownership if the vehicle is recovered.Alternate Disposal Abandonment without Proceeds - If the Provider is unable to obtain a negotiable title, they can abandonthe vehicle to IAA with a written notification on Provider letterhead requesting the abandonmentprocess.Prior to transitioning a vehicle to abandonment sale, the file must be processed through Title Solutions.All efforts must be exhausted prior to pursuit of Alternate Disposal.Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 5
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013State GuidelinesTitle Requirements by Vehicle TypeVehicle TypeTitledPassenger vehiclesYesATVsYesBoatsOtherCommercial trucks (i.e. tractor trailers)YesFarm EquipmentNoManufactured and mobile homesYesMopedsYesMotor Homes and RV’sYesMotorcyclesYesOff-road vehiclesYesSnowmobilesYesTrailersYesNotePlease contact your local IAA Branch for more detailsPlease direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 6
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Title Branding GuidelinesSalvage TitleSalvage titles are required on all vehicles regardless of age if declared a total loss byinsurance company.Salvage title needed on any flood claim.Salvage Repairable – A Salvage-Repairable title is for vehicles that have been declareda total loss but are repairable. This type of title requires at least one sub-brand. Collision Theft Fire Vandalism Salt Flood OtherClear TitleIt is up to the insurance company’s discretion if a vehicle is deemed a total loss. Salvagetitles required on all total lossesPlease direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 7
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Determining the Correct Title TypePennsylvania Salvage Title Flow ChartPlease direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 8
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Frequently Asked QuestionsWhat is required to correct a mistake that is made by the owner on the back of the title? If an error is made on the title an affidavit of correction will suffice if notarized. Please contact thebranch for more specific situations.For vehicles being sold on clear title, any error will void the title and require a duplicate title.Is a copy of the written estimate needed to process the title?A damage appraisal is not required to process the title.What type of PoA is required if the title is not signed?The state accepts a generic power of attorney as long as it is notarized. The state will only accept copies of aPoA if owner is in the military.If an owner’s full name is listed, does he/she need to sign as listed on the face of the title?The signature should match exactly as the name is listed on the face of the title.Example: John P. Doe / John P Doe. Note that this is NOT signed John Doe or J. Doe or Mr. Doe.Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 9
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Example DocumentsPlease direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 10
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Pennsylvania Title (Front)Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 11
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013Pennsylvania Title (Back)Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 12
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013GlossaryTermDefinitionAffidavit of CorrectionA notarized form that can correct certain errors made by an owner on the title.AppraisalWritten estimate detailing damage and replacement costs for a vehicle. Also known as anEstimate of Repair.Date of LossDate accident occurred or vehicle was stolen.Duplicate TitleA duplicate title is a replacement title obtained through the state title processing agency(Ex. DMV, MVD, BMV). When a duplicate title is issued the original title becomesvoid.Electronic TitleSome states are now using E-Titles especially when there is a Lienholder listed. An ETitle is held in the title possessing agency’s system until the Lienholder releases the lien.The title is then printed and mailed out to the specified party.Exceeds MechanicalLimits (EML)Exceeds Mechanical Limits is an option on most titles that is selected when the vehiclehas travelled more miles than the odometer can register. Many older vehicles are limitedto 99,999.9 mile odometer reading. When the vehicle exceeds the odometer’smechanical limits traveling past 100,000.0 miles, the vehicle has exceeded itsmechanical limit for the odometer. This option is rarely selected on newer vehicles sincemost odometers now register up to 999,999 miles.Lien ReleaseWhen a lien has been perfected on a vehicle the state requires the lienholder to releasethe lien indicating that the lien has been satisfied before ownership of the vehicle can betransferred. Lien releases are typically executed by having the lienholder sign and datethe face of the title or by providing a separate notarized lien termination statement on thelienholder’s letterhead. If a separate statement is used the statement should include adescription of the vehicle including; VIN, year, make, model, and the owner’s name(s).Lienholder can also add or remove electronic liens by accessing the state’s database. Apaper title will automatically be mailed to address of the lienholder’s discretion if thelien is active or to the vehicle owner if it is a title holding state.Not Actual Mileage(NAM)Not Actual Mileage is an option on most titles that allows the owner to indicate thatmileage shown on the odometer is not a true representation of the mileage of the vehicle.This can happen on some vehicles when the odometer or the vehicles engine control unit(ECU) is replaced, or when the odometer or its related systems are damaged orinoperable.Odometer DisclosureOdometer disclosure is required for vehicles less than 10 model years. This can beaccomplished on the title or with a separate odometer statement signed by the owner.Mileage should be stated with a verified reading and should not be an estimate or guess.OwnerThe name listed on the front of the title. It usually states Owner or Legal Owner.Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 13
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013GlossaryTermDefinitionOwner RetainAny vehicle deemed a total loss by the provider that the owner elects to retain ownershipof. Most states will require that the title is converted into some form of salvage title.Rules regarding who is responsible for transferring the title vary by state.Power of Attorney (PoA)Legal document that allows the appointed person/Provider to sign title, application, orany other documents related to the vehicle listed on the form on behalf of the owner.Properly Executed TitleTitle that is properly signed by owner and lienholder, which has released lien ifapplicable.ProviderInsurance company, charity, or individual selling the vehicle through IAARepair EstimateWritten appraisal detailing estimated repair cost of damage and replacement cost for avehicle. Also known as a Damage AppraisalSale DocumentDocument that was used to sell the vehicle at an IAA auction. (bill of sale, clear title,salvage title, certificate of destruction, junk title, scrap title etc.)Salvage TitleTitles are branded Salvage on ANY vehicles that fall into the salvage branding criteriafor each specific state. Most states consider a vehicle to be deemed salvage if it is 10model years of age or newer that has been stolen or has been deemed uneconomical torepair by the insurance company. (S.) These vehicles are issued a salvage title and maybe subject to repair and re-inspection.Title ProblemsTitle paperwork received by IAA that is not correct or incomplete and requires additionaldocuments or information before the title can be processed and vehicle can be sold.Title SolutionsA specialized and exceptionally knowledgeable service by IAA that provides innovativeand prompt solutions for your toughest title problems.Total LossAny vehicle that has been deemed uneconomical to repair by the insurance company.Un-Recovered TheftAny vehicle that has been stolen and not recovered.Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 14
I N S U R A N C EA U T OA U C T I O N SLast Updated 07/2013IndexAAffidavit of correction . 12Affidavit of Correction . 12Alternate disposal. 2, 5Appraisal . 12, 13ATV . 6BBoat . 6Boats . 6CCommercial truck. 6DDeath certificate . 5Deceased owner . 2, 5Duplicate title . 2, 4, 12Duplicate Title . 4, 12EEML . 12Exceeds mechanical limits (EML) . 12FFarm equipment . 6Farm Equipment. 6LLien release . 4, 12MManufactured and mobile homes . 6Moped . 6Mopeds . 6Motorcycle . 6Motorcycles. 6NNAM . 12Name changes . 5OOdometer disclosure . 4, 12Owner Retained . 13PPOA. 9, 13Power of attorney (POA) . 2, 4, 5, 9, 13TTitle fees. 2, 4Trailers . 6UUn-recovered Theft . 13Please direct any questions, comments, or corrections to IAA’s Title Solutions Team.TitleSolutions@iaai.com Toll Free - 888-MY-TITLE (888-698-4853) 2013. Insurance Auto Auctions, Inc.Page 15
It is up to the insurance company's discretion if a vehicle is deemed a total loss. Salvage titles required on all total losses . I N S U R A N C E A U T O A U C T I O N S . Last Updated 07/2013 . Please direct any questions, comments, or corrections to IAA's Title Solutions Team.
