A Comprehensive Guide to Ohio’s Car Title Regulations

Posted on April 21, 2023 by cincinnatijunk

Are you looking to buy or sell a car in Ohio? If so, it’s important that you understand the state’s car title regulations. Title transfer laws can vary from state to state, and not being familiar with them can lead to costly mistakes and delays. To help make sure your transaction goes smoothly, below is a comprehensive guide to Ohio’s car title regulations. We’ll cover topics like when titles are required, how they should be transferred between parties, and what documents must be provided by the seller.

After reading this post, you’ll have all the information needed for a successful car sale in Ohio.

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FAQS About Ohio Car Titles

When is a Car Title Required?

A car title is proof of ownership in Ohio, and it must be transferred to the new owner when selling or gifting a vehicle. The title should include the buyer’s name, address, and signature. For cars bought from dealerships, the dealership will typically handle the title transfer process.

If you are purchasing a car from an individual seller, they must submit an application for title to the county clerk’s office within 30 days of the sale and provide proof of ownership such as a bill of sale or purchase agreement.

How Should Junk Car Titles Be Transferred?

In Ohio, titles must be signed by both the buyer and seller before being submitted to the County Clerk’s office. The buyer must also provide proof of ownership, such as a bill of sale or purchase agreement. For cars with liens against them, the title must be signed by the lien holder in order for the transfer to be valid.

What Documents Must Be Provided by the Junk Car Seller?

The seller must provide proof of ownership when transferring a car title in Ohio. This includes documents like the original car title, bill of sale (if applicable), odometer disclosure statement, and any forms that might have been provided by insurance companies or lenders during the buying process. The seller should also remove their license plates from the vehicle before it is transferred to its new owner.

Can I Sell a Junk Car to an Auto Salvage Company Without a Title?

If you find yourself in possession of a junk car but don’t have a title, you might be wondering if you can still sell it. The answer to this question depends on the laws in your state. Some states allow you to sell a junk car without a title, while others require it. However, even in states where it is legal to sell a car without a title, it can be a bit more complicated. You will need to provide other proof of ownership, such as a registration, bill of sale, or mechanic’s lien. It’s important to do your research and understand the requirements in your state before attempting to sell a junk car without a title.

How Do You Cancel the Registration for a Junk Car?

When it comes to cancelling your car registration, there are a few important steps you need to take. Firstly, you’ll need to visit your local Department of Motor Vehicles (DMV) or equivalent authority to fill out the required paperwork. Depending on the state you live in, the process and requirements may vary, so it’s important to do your research beforehand.

Additionally, you may be required to surrender your license plates or provide proof of insurance cancellation. It’s essential to ensure you’ve paid all outstanding fines and fees before cancelling your registration to avoid any further complications. While the process may seem daunting, taking the time to cancel your car registration correctly can save you time, money, and hassle down the line.

You can easily sell your old car in Ohio for a good price with the right preparation and knowledge. It doesn’t have to be a difficult process. Contact GC’s Junk Cars at 513-991-4776 and get paid cash on the spot by our Cincinnati OH junk car buyers! We accept all make and model vehicles, regardless of condition. We also provide free junk car removal!

What To Do If You Just Wrecked Your Car

Posted on November 18, 2022 by cincinnatijunk

When it comes to car accidents, the experience can be distressing and overwhelming. Unfortunately, they do happen and it’s important to know what steps to take if you find yourself in this situation. Knowing exactly what to do will ensure that your insurance claim is processed quickly and efficiently so that you can get back on the road as soon as possible.

Continue below to learn what to do if you just wrecked your car in Cincinnati.

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Cincinnati Car Accident Guide

Ensure Safety

The first and most important step is to make sure that everyone involved in the accident is safe and secure. If there are any injuries, call 911 immediately and stay where you are until help arrives. Once this is taken care of it’s time to focus on your car. Before you move your vehicle to a safer location, make sure to take photos that document the damage caused, as this will be essential when making a claim with your insurance company.

Collect Data

It’s also important to exchange personal information with the other drivers involved in the accident. Make sure to record the name, license plate number, and auto insurance provider of everyone involved. If you were able to witness the accident, make sure to accurately document the circumstances. This will be beneficial when filing an insurance claim or dealing with any legal issues that may arise from the incident.

Call Your Insurance Carrier

When it comes to getting your car back on the road, you’ll want to contact your auto insurance provider as soon as possible. Make sure to have all the necessary information ready to provide, such as police report numbers, photos of the damage, and the other drivers’ information. An insurance adjuster will then assess the situation and determine what kind of coverage you are eligible for. The auto repair shop that will be doing the repairs should also be approved by your provider in order for them to cover any costs.

Preparedness is Key

No one likes to be in the situation of getting into a car accident, but knowing what to do beforehand can take some of the stress out of it. By taking the necessary steps, you will ensure that your insurance claim is processed quickly and efficiently so you can get back on the road as soon as possible.

Car Not Covered By Insurance? Scrap It!

Scrapping a totaled, uninsured car can be a difficult, time-consuming process. If you find yourself in the unfortunate position of having an uninsured vehicle that needs to be scrapped, it is important to take the appropriate steps to ensure everything is handled safely and legally. Your only priority is to choose a trusted Cincinnati Cash for Cars Company that has the resources to pay you the full scrap value of your wrecked car.

Not sure where to begin when you want to sell a wrecked or totaled vehicle in Ohio? Contact GC’s Junk Cars at 513-991-4776 to sell a junk car to an experienced and friendly junk car buyer in Cincinnati, Ohio. We pay cash on the spot!

Signs That Might Mean You Need Catalytic Converter Replacement

Posted on October 7, 2022 by cincinnatijunk

Catalytic converters are devices that are installed in the exhaust system of automobiles and other internal combustion engines. They convert harmful pollutants in exhaust gases into less harmful substances. Catalytic converters are an important part of a car’s emissions control system, and they have been required on all new cars sold in the United States since 1975.

If you believe you might be experiencing catalytic converter problems, it is important to act now before more damage is done. Catalytic converter replacement is more expensive than catalytic converter repair; so expensive that it can sometimes render a car a total loss. If this happens, you still have viable options for selling a totaled car in Cincinnati.

Continue below to learn the most common signs that suggest you need catalytic converter replacement.

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Common Catalytic Converter Problems

A Catalytic converter is an important part of a car’s emissions control system, and it can fail over time. There are a few signs that may indicate a failing catalytic converter:

► Decreased Fuel Economy
► Loss Of Power While Driving
► Unusual Sounds Coming From The Engine Area
► Check Engine Light Is On

If you notice any of these signs, it’s important to have your car checked out by a mechanic. Catalytic converter replacement or repair can be expensive, but it’s necessary to keep your car running properly and to avoid damage to the engine.

Average Cost of Catalytic Converter Replacement

Catalytic converter replacement is one of the most expensive automotive repair services you can have performed on your car. Including parts and labor, the average cost of catalytic converter replacement falls between $945 and $2,475, depending on the make and model of your car.

Total Loss Vehicles

Sometimes, the cost to replace a broken catalytic converter is more than what the vehicle is actually worth. At this point, the vehicle would be deemed a total loss, or totaled. A total loss vehicle is a car that has been damaged so badly that it is considered unsafe to drive, or too expensive to repair. Insurance companies often declare a car a total loss after an accident, theft, or other major incident. If you have a total loss car, you will likely need to buy a new one. Be sure to shop around and compare prices before making a purchase. You may also want to consider leasing a car instead of buying one outright.

Can’t afford to repair your catalytic converter? Not worth the cost to repair your vehicle because it is already so run down? Just contact GC’s Junk Cars at 513-991-4776 and get paid cash on the spot by our Cincinnati OH junk car buyers! We accept all make and model vehicles, regardless of condition. We also provide free junk car removal!

3 Steps to Transferring Ownership of a Junk Car

Posted on August 10, 2022 by cincinnatijunk

When you’re ready to sell your junk car to a local auto salvage yard in Cincinnati, there is a particular process that must be followed to lawfully handover ownership of the vehicle to the buyer. Continue below to learn the 3 step guide to transferring ownership of a junk car, plus which cash for cars company in Ohio to trust for the maximum payouts and free vehicle removal.

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Junk Car Selling Process in Cincinnati

You can ensure a streamlined junk car selling process in Cincinnati by choosing the right junk car buyers in Ohio. A reputable cash for cars company will make the process easy and convenient, while also paying out the fairest offer for your junk asset. Of course, there are some steps you will need to take as well to ensure that the process is carried out with integrity and in a way that absolves you of any legal liability.

How to Transfer Ownership of Your Junk Car:

Start With the License Plates

Depending on your state, you will be required to either return your license plates into the BMV or have them transferred to another car. When given the option, most people prefer to transfer their license plates rather than get new ones. Getting new license plates can sometimes be a lengthy process. Because it varies among jurisdictions, it is recommended to contact your local DMV and ask them if there is any necessary paperwork that should be done for a license transfer.

Move Onto Insurance

The next step in the ownership transfer process of a junk car involves insurance coverage. If you’ve had your junk car for a long time and you only selling it for the scrap metal, you probably don’t have an insurance for it. But in most cases, junk cars start off covered under an insurance policy. It is important to cancel your insurance coverage for a junk car before turning it over to a cash for cars company in Cincinnati. You may get lucky and be given a prorated premium for canceling your policy early. Or you might be unlucky and be charged a cancellation fee. It really just depends on your carrier.

Finish With the Title

To sell a junk car to an auto salvage yard in Ohio, you yourself must prove that you are the lawful owner of the vehicle and can legally choose to sell it. A car title is the best document for proving ownership of the vehicle. Some scrap yards will accept alternative forms of proof in the case that you’ve lost the car title, or it’s been destroyed or stolen. Additional forms of proof might include car registration, lien, or insurance policy. When the junk car tow truck operator arrives to collect your vehicle, sign the title over to them. In return, they should pay you cash on the spot!

Are you looking for a trusted cash for cars company in Ohio that will pay you the most money for your junk car? Contact GC’s Junk Cars at 513-991-4776 to sell an unwanted car to a professional junk car buyer in Cincinnati, Ohio. We offer free towing and pay cash on the spot!

Did You Total a Car With an Unpaid Loan?

Posted on April 26, 2022 by cincinnatijunk

Totaling a car is panic-worthy enough, but when you still owe on the auto loan, your level of anxiety can reach alarming levels. Fortunately, there are options available to help you make it right once again. Continue below to learn what to do if you still owe on a totaled vehicle, plus how to earn fast cash for your junk car in Cincinnati.

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Brief Explanation of a Total Loss Vehicle

Although it can vary from state to state, a car is deemed totaled if it meets one or more of the following circumstances: 1) the cost to repair it exceeds the actual cash value (ACV), 2) repairing it would be dangerous, or 3) it meets the state’s total loss guidelines. So, you know your car is totaled, but you still owe on the car loan. What do you do? Well, you have at least 3 viable options. The course you choose will depend on your current economic condition, state regulation, and the discretion of the insurance company.

How to Deal With a Totaled Car You Still Owe Money On

► Pay Off the Remaining Auto Loan Balance

An auto loan or financing agreement does not disappear when a car is totaled. Unfortunately, you are still legally obligated to pay. Sure, paying off the remaining auto loan balance is easier said than done, but nonetheless, a viable option worth mentioning. By satisfying the remainder of the loan or financing plan, you can avoid any future financing problems or approvals. You can either pay the balance in full or continue making your regular scheduled payments.

► Negotiate a Deal With the Insurance Company

If you cannot afford to pay off the auto loan or have barely made any payments as of yet due to it being a brand new car, you might be able to strike a deal with the insurance company. Do your research to see how much your car’s actual cash value is using trusted, certified sources like KBB or Autotrader, then use this data to prove that your vehicle is worth more than what the insurance company is willing to pay.

What NOT To Do

The above two options are what you can do after totaling a vehicle you still owe on, but there is one thing you should not do. It is strongly discouraged to roll the remaining auto loan balance into a new loan. This will only increase your interest payments, making it harder to pay it off in a reasonable time frame. Keep your auto loan and other loans separate.

If you are not happy with the insurance company offer for your totaled vehicle, sell it for cash on the spot to a trusted Ohio auto salvage yard! Contact GC’s Junk Cars at 513-991-4776 for professional cash for totaled cars in Cincinnati Ohio. We provide free junk car removal and instant offers! Request a free offer today!

Important Documents That Should Be Kept in Your Vehicle

Posted on February 17, 2022 by cincinnatijunk

When you purchase a vehicle, or at least drive one around legally, you will be in possession of certain documents. Some of these documents should be kept inside the vehicle always, while others are better left in a safe spot at home.

Continue reading to learn which automotive documents stay in the car and which do not, plus where you can get free junk car removal in Ohio if your vehicle was just totaled.

Which Papers Go in the Glove Box?

You wouldn’t keep your wedding ring in your gym locker, nor would you store your gym shorts in your briefcase. The same principles apply when it comes to your car paperwork. Some documents should be kept in the glove compartment, console, or binder in the vehicle at all times, while some others are safer in the security of your own home, or safety deposit box.

So, which is which? After all, you have your car title, state registration, insurance, maybe AAA, and possibly even your Bill of Sale. Here is a quick reference guide to use when organizing your vehicle’s documents:

Keep These Documents in the Car:

▶ Car Registration

The law requires all vehicles to be registered with the state in order to be legally driven on the road. For this reason, your car’s registration is an important document that should stay with the car at all times. The registration proves that your vehicle is legal and authorized in accordance with the license plate. If you are pulled over for a traffic stop, the officer will ask you to see this document.

▶ Proof of Insurance

The law also requires that all drivers maintain the state minimum for liability car insurance coverage. In the case of an accident, whether your fault or not, you will be asked to show your proof of insurance. A police officer will also need to see this document in the case that you are stopped for a traffic violation. Some people also get an insurance card along with their document, allowing them to have a second source in the wallet or at home.

Keep These Documents at Home:

▶ Car Title

The car title is proof of ownership for the car. This is one of the most important car papers to keep track of, which is why it should be kept safe at home, in a safe, or in a locked security deposit box. If you are pulled over for a traffic stop, the police officer will not ask to see the car title, even if they suspect that the car is stolen. They can use your registration to prove that you are authorized driver of the vehicle.

▶ Bill of Sale

The Bill of Sale is not something you want or need to keep in your car. Sometimes, car owners do not receive a Bill of Sale, such may be the case if they purchase their car from a dealership. If you do have some version of a Bill of Sale for your vehicle, just keep it at home with your car title.

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Will My Insurance Cover Towing Fees for a Totaled Car?

Posted on January 27, 2022 by cincinnatijunk

Whether you totaled your car today or in the recent past, you can safely assume you will not be able to drive it where it needs to go. Most people have their totaled vehicles towed to their homes, while others choose to have their cars and trucks towed directly to an auto body shop. In either case, you might be wondering who is responsible for the towing expenses. Will you pay for towing out of pocket and get reimbursed by your insurance carrier later on? Will your insurance company even pay you back? These are good questions to ask yourself considering you could possibly get stuck with the immediate, non-negotiable expense.

Continue below to learn a little bit about auto insurance basics, namely when they might cover towing fees for a totaled car, but also what you can do if your carrier will not pay for a tow.

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State Minimum Liability for Car Insurance Coverage

All drivers in all states are required to have minimum liability car insurance coverage. If you choose to, you can upgrade from this basic, state-required level of auto insurance, which may come in handy in the case that you wreck or total your car. Here is a break down of common insurance coverages, plus whether or not they pay for totaled car towing:

▷ Minimum Liability Insurance – This type of car insurance coverage only covers bodily injury and properly damages for other drivers and their passengers. It does not cover your own injuries, nor does it cover property damages, including the damage to your car. This policy would not pay for towing service.

▷ Comprehensive Insurance – This insurance coverage will cover damages to your car when it is damaged by an incident other than an auto collision. For instance, if a tree falls on your car or a flash flood comes through, your insurance will cover the repairs to your vehicle. This insurance does not reimburse for towing expenses.

▷ Collision – Collision auto insurance can be added to your existing policy and will cover auto body repairs or vehicle replacement if you are in a car wreck. However, it may or may not cover towing costs. You must check with your carrier to confirm towing coverage.

▷ Uninsured and Underinsured Motorist Coverage – If you are hit by another driver who is not insured or doesn’t have enough car insurance coverage, this auto insurance will cover you. This may or may not cover towing expenses. However, in most cases, it does.

▷ Guaranteed Asset Protection (GAP) – Also known as gap insurance, this type of auto insurance coverage will pay for remaining loan obligations in the case that you total your car. This does not cover towing in the case that you totaled your car.

▷ Roadside Assistance Coverage – When you want free or inclusive towing privileges in the case that you total your car, you will need to add roadside assistance coverage to your existing policy. Such coverage comes in different levels, such as basic or premium, and will cover most roadside emergency situations, such as flat tires, overheating engines, fuel fill-ups, locked keys in the car, fluid refills, and more.

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8 Ways to Save Money on Car Insurance

Posted on December 30, 2021 by cincinnatijunk

We all want to save money, but when it comes to the real expenses in life, that’s where savings really matters. Car insurance coverage is one of those fixed-costs in life that tends to place pressure on the budget. But the good news is, there are plenty of ways to save on a new car insurance policy! All you have to do is take advantage of them!

Continue reading to learn 8 super easy and effective ways to save money on car insurance, plus what you can do if your totaled car is not covered under an active policy at the moment.

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Top Auto Insurance Discounts You May Be Eligible For

You might think that car insurance discounts are a thing of folklore or fable, but they really do exist. Of course, you might not be eligible for every possible auto insurance discount out there, but you will certainly be qualified to take advantage of at least one! For instance, simply being a safe driver will earn you auto insurance savings!

Whether you are new to the car insurance world or just between policies at the moment, these 8 car insurance discounts can help you save a notable amount of cash on annual coverage rates:

Anti-Theft Features

If you install carrier-approved anti-theft features on your vehicle, you could qualify for an auto insurance discount. Such features to consider include alarm systems or stolen vehicle recovery transceivers.

Automotive Safety Features

In addition to anti-theft and vandalism installations, you may also be able to earn a discount for certain car safety features. Such features may include anti-lock brakes (ABS) and airbag systems.

Good Student

The Insurance Information Institute (III) suggests that if you are a good student who can consistently keep your grades up, you may be able to earn a student discount on auto insurance. Many carriers are on board with this initiative to keep students in school.

Early Renewal

Some car insurance companies will give clients a discount or incentives for renewing their policy early before it can expire. Signing up for a new policy before your old one expires is best practice in all cases, but some carriers will reward you for it.

Low Mileage

Some auto insurance carriers will offer a discounted rate for those who do not drive very much. Since there is less chance that the driver will need to file a claim, they are willing to reduce their monthly or annual rate. In some cases, a carrier will offer policies based on how many miles a driver averages per year.

Multiple Policy

By choosing to combine multiple insurance coverage within one carrier, you could set yourself up for an auto insurance discount. These are referred to as “multi-policy” discounts, and many insurance companies offer them for those who qualify. For instance, use the same carrier for your home, auto, motorcycle, and boat insurance to get a better rate. The Insurance Information Institute (III) suggests insurance companies do this to reward for client loyalty.

Safe Driver

If you think you won’t qualify for any auto insurance discounts, you will be pleased to learn that safe driving counts! According to the National Association of Insurance Commissioners (NAIC), many insurance companies are willing to offer reduced rates or discounts for drivers with great driving records, free of collisions, accidents, and traffic violations.

Telematics

There are insurance companies out there that will grant a reduced rate or discount for car insurance if the driver agrees to enroll in a telematics program. A telematics device is installed in the vehicle, which basically monitors and records driving data that insurers collect for research and marketing purposes.

*Some insurers offer these discounts, while others do not. Check with all potential carriers to be sure which discounts are available.

Are you worried about paying a massive car insurance deductible after totaling your vehicle in Ohio? Well, you don’t have to worry at all! Just contact GC’s Junk Cars at 513-991-4776 to sell a totaled car to a professional junk car buyer in Cincinnati, Ohio. We offer free towing and pay cash on the spot!