Subsection 4.2: Filling Out the Application (VSD 190) - Detailed Guidance
A Comprehensive Guide
Introduction
The Application for Vehicle Transaction(s) (VSD 190) is a critical document required for replacing a lost, stolen, or damaged car title in Illinois. Accurately completing this form ensures that your application is processed without delays. This guide provides detailed instructions to help you complete the VSD 190 form correctly, avoiding common mistakes.
1. Selecting the Appropriate Title Request
Duplicate Title: Check this box if you are requesting a replacement for a lost, stolen, or mutilated title.
Corrected Title: Check this box if you need to correct information on your existing title, such as a name or address change.
2. Owner Information
Fill out the following details for the vehicle owner(s):
Owner First, Middle, and Last Name: Include full names as they appear on the original title.
Co-Owner Information: If applicable, provide the co-owner's First, Middle, and Last Name.
Residence/Business Address: Enter the complete address, including:
Street Address
City
State
ZIP Code
3. Vehicle Information
Provide accurate details about the vehicle, which can typically be found on the original title or vehicle registration:
Vehicle Identification Number (VIN): Ensure there are no errors in this 17-character number.
Year, Make, and Model: Include the vehicle’s manufacturing details.
Body Style and Color: Specify the vehicle's style (e.g., sedan, SUV) and color.
Purchase Date: If available, indicate when the vehicle was originally purchased.
Current Odometer Reading: Enter the exact mileage as displayed on the odometer.
Surrender Title Information (if applicable):
Include the surrendered title number.
Specify the state of the surrendered title.
4. Mailing Address for Title
If the title should be mailed to an address other than the residence or business address, provide the alternative address here.
5. Reason for Corrected or Duplicate Title
This section requires a brief written explanation in sentence form. Examples include:
"The original title was lost during a recent move."
"The owner's last name was changed due to marriage."
6. SSN Disclosure
When applying through J.G. Title Company or directly with the state, your Social Security Number (SSN) will be required.
Using J.G. Title Company: Your SSN will only be used to access your application and process your request. It will not be used for advertising, tracking, or any other purposes.
Note: This is a mandatory requirement for processing title applications.
7. Fees and Payment
Cost: A duplicate or corrected title costs $50.00, payable to Illinois Secretary of State.
Accepted payment methods vary depending on how the application is submitted (check, money order, or electronic payment).
8. Submission Options
Depending on your preferred submission method, the processing times will vary:
Direct to State: Expect a waiting period of up to 12 weeks.
In-Person Submission: The processing time is reduced to up to 10 weeks.
Through J.G. Title Company: Faster processing, with a turnaround of 4–8 weeks.
Checklist Before Submission
To avoid delays, ensure you:
Double-check all required fields for accuracy.
Attach any required supporting documents.
Include the $50.00 payment.
Provide a valid mailing address for the new title.
This detailed guidance ensures you have all the necessary steps and information to complete the VSD 190 application seamlessly. By following this guide, you can minimize the risk of errors and expedite your title replacement process.
Need Assistance?
For personalized assistance and expert guidance on your title issues or questions, consider consulting with a JGT Auditor. With extensive knowledge and a proven track record in resolving title matters in all 50 states across the USA, we're here to help.
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