How to sell a deceased family member's car

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How to sell a deceased family member’s car

Person in dark pink shirt and black jeans holding car keys seen from behind, standing in front of used light blue car.

There’s a lot to process when a family member dies. Coping with your loss may be made harder if you have to handle the material items the decedent left behind, like a car.

This step-by-step guide from CarGurus can help you through the process of how to sell a deceased family member’s car and relieve some of the stress that accompanies the death of a loved one.

Fast Facts

• Being thorough and organized is key to selling a deceased family member’s car.
• If there is a will, a Transfer on Death addendum on the title, or a joint title for the car, selling a loved one’s car can be simple and straightforward.
• Research your state laws and make copies of all legal documents.
• If you’re still in doubt about the process it’s important to seek additional legal advice.

Step 1: Locate the Will

If the deceased person left a last will and testament, having that paperwork will make the process relatively straightforward. If the will names you as the executor of the estate, you can legally sell the car. The probate court (the state-run agency that handles inheritance) will issue letters testamentary or letters of administration, both of which give the recipient the authority to act on behalf of the estate and allow them to sell the vehicle, among other items left behind. Make copies of these letters and the death certificate for your records and to share if someone questions your authority over the vehicle. (You can also request multiple certified copies of the death certificate at the time of death.) If there is no probate, you can use an Affidavit for Transfer of Personal Property to transfer ownership.

Possession or ownership of a vehicle is not enough, though: You’ll need to acquire the car title, too, in order to sell it. Your state’s department of motor vehicles (DMV) website will provide details on how to acquire the vehicle title. (In some states, it may be as simple as bringing the certificate of title and the death certificate to your local title office to have a title transfer initiated.) 

Step 2: Make Sure the Car Doesn’t Have Unpaid Loans

If the car has a lien, you as the new vehicle owner will need to pay off the balance before taking any of the steps listed above to sell the car. Once you pay off the car’s loan, the lienholder, or lender, will provide you with a clear title. If there is no lien, you still need the title, but it doesn’t need to be in your name. Instead, after you have made the sale, just sign the back of the title as if you own the vehicle and next to your name write “executor for the estate of [deceased owner’s name].” The new owner of the vehicle will then take the title to their local DMV office, and the state will issue a new title in their name as part of the vehicle registration process, along with the new registration and license plates (in most states).

Step 3: Cancel the Insurance

Before selling the car of a deceased person, you will also need to cancel any insurance on the car. The insurance company may ask for a copy of the death certificate and the letter of testamentary.

Step 4: Understand Survivorship Rights

Estate planning can make the process simpler, but even if your loved one didn’t leave a will, there are some documents that can keep dealing with their car fairly straightforward. If the vehicle was under joint ownership, then it may have been jointly titled to your loved one’s spouse. In this case, the surviving spouse needs only a copy of the death certificate and a valid ID like a driver’s license to prove ownership of the vehicle—and, thus, the right to sell it. The vehicle may have also been jointly titled with “rights of survivorship,” which means when one of the co-owners dies, the other becomes the vehicle’s sole surviving owner, and thus has the right to sell it with the death certificate and an ID as proof of ownership.

A joint title is often designated with the initials “JWROS” (joint with right of survivorship) appearing after the names on the title: “John Doe and Jane Doe, JWROS.” For more information on your state’s joint titling laws, consult your state’s Department of Transportation website.

The title may include a “Transfer on Death” or “TOD” addendum naming you as the car owner upon the death of the previous owner. If this is this case—and the state decides the estate does not need to be probated—you will need a copy of the death certificate and a letter from the court stating that the deceased died “intestate” (without a will) and that there is either no estate or that the estate does not need to be probated in order for you to sell the vehicle (in most states).

As you’ve probably guessed by now, these laws vary by state. Research the laws in your state on the DMV and Department of Transportation websites to understand what kind of documents you will need to sell a deceased person’s car. Consulting with an attorney, if possible, is a good way to make sure you are following proper procedures.

Step 5: Go to Probate

If there is no will, TOD addendum, or a JWROS designation, you will have to go through probate court to attain the authority to sell the vehicle. If there is a general consensus among the living heirs of the deceased that you should take ownership of the car, you can list it for sale immediately after acquiring the appropriate documentation for your state—most likely a death certificate and a letter from the probate judge.

An attorney acting as the executor of the estate may also want to intercede on your behalf and help you with the sale of the car in order to settle any outstanding debt. However, if the person died without a will and left a large estate—or if there are disagreements among the heirs—the probate process could take years. Unfortunately, if this is the case, selling the car will also take that long.

Step 6: Choose Your Sale Method

Chances are that if you’re not planning to keep the car yourself, you’d like to get rid of it as quickly and painlessly as possible.

There are many online services that can help you sell your car. Alternatives to selling your car online include selling it privately, or you could reach out to a dealer yourself (in much the same way as you’d handle a trade-in). See the Best Ways to Sell Your Car for more information about each option.

This story was produced by CarGurus and reviewed and distributed by Stacker Media.

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