ELT: Digital Vehicle Titles

The Internet of Things has extended to so many things in our everyday lives. The idea behind the conversion is to increase convenience for quick, painless transactions. Within the last few years, states have begun using an electronic title instead of a paper title.

Not all states participate yet, while others require you to have an electronic title. Whether the ELT is mandatory or optional depends on your state’s guidelines. The new electronic title program is called ELT, or Electronic Lien and Title, or e-title programs.

The e-title is a digital record that replaces the paper copy of your title. The document serves the same purpose, to show ownership of the vehicle. The title contains personal information about the owner of the vehicle. The ELT system transmits information between lenders and the Department of Motor Vehicles (DMV.) The lien holders that are listed on titles are able to communicate digitally with the DMV. As a result of this system, paperless transactions can be used for the addition/deletion of lien holders on a title.

If you finance your vehicle when you purchase it, the lender will be listed on your title as a lien holder until the loan is paid off. The title will be held by the lien holder in digital format, if your state participates. Once you pay off the loan in full, the lien holder will submit a release of the lien to the DMV. Once this is complete, the lien holder is deleted from the title and an updated certificate is created. This makes the transaction faster.

Advantages of ELT:

  • Most companies have embarked on the journey of going paperless. One of the most obvious advantages is the positive impact on the environment this action could have
  • Reducing the amount of storage space needed
  • Ease of access to records
  • Helps prevent loss of paper title
  • Quicker to send titles digitally
  • Helps reduce fraudulent activities

Disadvantages of ELT:

  • If an owner wants to sell the vehicle, there may be a waiting period while the digital copy is transferred into a paper copy to be mailed out.
  • Not having a physical copy on hand when needed.

Fortunately, you can make a trip to the DMV to order a copy of your title. However, there is a fee. The cost ranges depending on your state. In Colorado, for example, it’s $20 to receive a copy of your title. Does your state participate in ELT?

By: KayLynn P.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Unveiling the Quirks and Curiosities of Geography: A Journey Through the Unconventional Landscape of the United States

From Detroit’s Northern Prominence to South America’s Surprising Proximity: Unveiling the Unconventional Geographic Facts of the United States

Safeguarding Your Business with Income Interruption Insurance

Business Interruption Insurance: A Shield Against Financial Disasters

A Gift That Keeps on Giving: The Enduring Benefits of Child Life Insurance

Child Life Insurance: A Timeless Gift of Love, Protection, and Financial Security

Demystifying No-Fault Insurance

Unraveling the No-Fault Insurance Enigma: A Comprehensive Guide to Navigating the Auto Insurance Landscape

Navigating the Deductible Dilemma Maze

Insurance Deductibles: A Delicate Dance Between Financial Security and Premium Savings

Evolving Entertainment: A Journey Through the History of In-Car Entertainment

In-Car Entertainment: A Chronicle of Technological Advancements and Changing Driving Experiences

Debunking Insurance Myths: Unveiling the Realities Behind the Industry

Insurance Unveiled: Separating Fact from Fiction in the World of Protection

From First Crash to Compulsory Coverage: A Journey Through the History of Auto Insurance

Auto Insurance: A Tale of Accidents, Legislation, and Financial Protection

Insuring the Unexpected: A Glimpse into the World of Bizarre Insurance Policies

From Million-Dollar Legs to Kidnap Insurance: Unveiling the Quirky World of Unusual Policies

Navigating the Maze of Auto Insurance: Understanding the Coverage You Need

Auto Insurance Explained: A Comprehensive Guide to Protecting Yourself and Your Car