No title? No problem in most cases. Free towing, cash on the spot.
The Right Order
The sale comes first
Document your sale date
We make the transfer clean
Insurance follows the car while you own it. If you cancel the day before pickup and something happens to the vehicle overnight, that gap is on you.
Waiting until the signed transfer is in your hand costs you nothing extra and removes all doubt about when your responsibility ended.
Never cancel before pickup
The signed title is your proof
Ask your insurer about refunds
Cancel your insurance after the sale is complete and the title has been signed over, not before. In Florida, you generally surrender the license plate after selling, and you can cancel the policy once the car is no longer yours. Never cancel before the buyer takes possession.
The logic is simple. As long as the car is titled to you and sitting on your property, you carry the risk. The signed title transfer is the line where that risk moves to the buyer.
This guidance holds whether you are selling to us, to a dealer, or to a private party. The trigger is always the same event: the signed transfer of ownership. Until that moment, the car is yours to protect.
If the policy lapses before pickup and the car is damaged, vandalized, or involved in any incident in the meantime, you have no coverage and still own the car. A few days of premium is cheap protection against that gap.
In Florida, the license plate generally stays with the seller, not the car. After the sale, you surrender the plate or transfer it to another vehicle according to state procedures. Your insurer will typically ask about the plate status when you cancel.
If you are unsure about the exact steps, a quick call to your insurer or a check of the state motorist services website will confirm the current process. Procedures can change, so verify rather than guess.
Give them the date of sale from your signed title paperwork and confirm whether they need anything else, such as a copy of the transfer or plate surrender receipt. Keep notes on who you spoke with and when.
If you are replacing the car, Florida generally allows you to transfer the existing plate to the new vehicle rather than surrendering it. Tell your insurer about the swap when you update the policy, and confirm the transfer is recorded correctly so there is no gap in registration.
Many junk cars have been sitting uninsured for months or years, and that is completely fine. You do not need to insure a car to sell it to us. Just be aware that an unregistered, uninsured car cannot be driven to us, which is why our free towing exists.
If the car has been sitting, there is nothing to cancel. The sale paperwork is the same, and your only job is having the title or ID ready at pickup.
After cancellation, keep the confirmation email or letter with your sale paperwork. If any billing question comes up later, you will have proof of exactly when the policy ended.
Related: common questions about selling, selling a car with no title, our car buying services. Get a cash offer now: 954-787-5717.
FAQ
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