Thank you for your follow-up.
We may be miscommunicating on what actual "ownership
Please permit me to break this down for you, and please feel free to ask if anything is unclear. Let's say that I owe you $10,000 and as collateral I sign over title to you on my vehicle. Should I default, you are free to go to the DMV
, register the title over to your own name, and claim ownership. That signed over title denotes your right and ability to pursue the vehicle as yours. Similarly, in this situation, as there was no written contract, you are free to go to the DMV, register the vehicle over to yourself, and make them yours. After all that you are free to apply for license plates, and as for taxes, the transfer was for $1.00, as it was a transfer that took place due to breach of contract
from before when there was no costs associated with the title. Those, however, are minor matters that come up after you assert your ownership rights.
The reason it is so complicated at the dealership is because usually the vehicles have leases
or additional liens or payments associated with them. If you ever purchased a vehicle for cash, so long as you have a valid license, provide them with the full cash amount, and title is registered, the vehicle is yours. Calling your insurance
company is your responsibility once ownership is transfered, and when you actually register the vehicle with the DMV, that is when you can also apply for plates.
Please do not "buy" my answer--if it sounds too simple, contact your local DMV and see for yourself. Just because it sounds simple does not make it wrong--I actually tend to prefer to simplify most issues rather than attempt to complicate them. My answer, however, IS correct so long as title was already signed over to you.