Title Requirements For Campers In New Mexico

If you're planning to hit the road in your camper, it's important to ensure that you have all the necessary paperwork in order. In New Mexico, the process of titling a vehicle and registering it are typically done simultaneously. However, there are certain situations where you may obtain a Certificate of Title without registering your vehicle, such as if you intend to restore a vehicle and not drive it for an extended period. Obtaining a title for your camper in New Mexico requires specific documentation, and the process may vary depending on whether it's a new or used vehicle, and whether it's purchased from a dealer or through a private sale.

Camper registration and title transfer requirements in New Mexico

In New Mexico, camper registration and title transfer requirements vary depending on several factors, including whether the camper is new or used, and whether it is purchased from a dealer or through a private sale. Here is a detailed overview of the process:

New Camper Registration and Title Transfer

When purchasing a new camper, the registration and title transfer process typically occurs simultaneously. To complete this process, you will need to provide the following documentation:

• A valid driver's license or state-issued ID.
• The original or certified copy of the manufacturer's statement of origin and the invoice for the camper.
• Proof of liability insurance for the camper.
• Two proofs of New Mexico residency if you do not have an updated New Mexico driver's license.

Used Camper Registration and Title Transfer

For used campers, the registration and title transfer process can vary depending on the source of purchase.

Dealer Purchase

If you purchase a used camper from a dealer, you will typically need to provide the following:

• A valid driver's license or state-issued ID.
• The original or certified copy of the dealer's invoice or bill of sale.
• Proof of liability insurance for the camper.
• Two proofs of New Mexico residency if your address is not updated.
• An odometer statement for the camper.

Private Purchase

In the case of a private sale, the requirements are similar but with a few additional considerations:

• A valid driver's license or state-issued ID.
• The original title signed by the seller.
• Proof of identity and New Mexico residency, such as a driver's license or utility bill.
• Proof of liability insurance for the camper.
• An odometer disclosure statement obtained from the seller.
• An emissions test and inspection for the camper.
• The completed DMV title transfer form.
• Title transfer fees, which vary based on the value and age of the camper.

Additional Considerations

It's important to note that if you are transferring a vehicle registration from another state, you will need to obtain a VIN examination to ensure the camper is not stolen or involved in criminal activity. Additionally, if you are still making payments on the camper, you will need a copy of the lien holder title.

For campers that are not operational or intended for reconstruction, you can obtain a Certificate of Title without registration. In such cases, you will need to provide proof of identity and New Mexico residency, and pay the title fee and excise tax. Once the camper is operable, you can register it by providing proof of insurance.

Camper title transfer fees

In New Mexico, the titling of a vehicle and its registration are typically done simultaneously. However, there are certain scenarios where you can obtain a title without registering the vehicle. Here is a guide to the fees associated with camper title transfers in New Mexico:

Obtaining a Title and Registration:

To obtain both a Certificate of Title and register your camper in New Mexico, you will need to provide the necessary documentation, including proof of identity and New Mexico residency. The specific requirements are outlined on the New Mexico Motor Vehicle Division website. The combined fee for registration and titling ranges from $27 to $62 per year, depending on the value and age of the camper.

Obtaining a Title Without Registration:

In certain cases, you can obtain a Certificate of Title without registering the vehicle. Here are the scenarios where this is applicable and the associated fees:

• For a Vehicle that Does Not Operate: This applies to campers purchased for reconstruction or rebuilding, which the owner does not intend to operate for an extended period. You must pay the title fee, which is $5, and the excise tax on the vehicle. Once the camper is operable, you can register it by providing proof of insurance.
• For a Vehicle that is a Gift and will be Traded-In: If you receive a camper as a gift and plan to trade it in, you can obtain a Certificate of Title by taking the current title, along with the completed and signed 'Assignment of Title' and 'Odometer Disclosure Statement', to the New Mexico Motor Vehicle Division (MVD). You will need to pay the title fee of $5.
• For a Vehicle that is Not Insured: If you have purchased a camper that you cannot insure, you can obtain a Certificate of Title by submitting the current title, 'Assignment of Title', and 'Odometer Disclosure Statement', signed and completed, to the MVD. You will need to pay the title fee of $5 and the excise tax on the vehicle. Once you obtain insurance, you can register the camper.

It's important to note that these scenarios may have specific requirements and conditions outlined by the New Mexico MVD, so it's recommended to refer to their website or contact them directly for the most accurate and up-to-date information.

Camper insurance requirements in New Mexico

In New Mexico, camper insurance requirements are part of the broader vehicle insurance regulations. The state requires that all vehicles, including campers, be insured before they can be registered and operated on public roads. Here are the essential details about camper insurance requirements in New Mexico:

Insurance for Registration

To register a camper in New Mexico, you must have valid insurance. The state requires proof of insurance before issuing registration and license plates. This insurance must cover any intended use of the camper, whether it is for personal or commercial purposes.

Minimum Insurance Requirements

New Mexico mandates that all vehicles, including campers, maintain a minimum level of insurance. The state requires:

• Liability coverage for bodily injury or death of one person in any one accident in the amount of $25,000.
• Liability coverage for bodily injury or death of two or more persons in any one accident in the amount of $50,000.
• Liability coverage for injury to or destruction of property of others in the amount of $10,000.

These are the minimum requirements, and it is recommended that vehicle owners assess their needs and consider higher coverage amounts.

Insurance Card

Drivers in New Mexico are required to carry their insurance cards with them whenever operating their vehicle, including campers. This card must be provided as proof of insurance when registering the camper and during any subsequent traffic stops or accidents.

Uninsured Campers

If you are unable to obtain insurance for your camper, you can still obtain a Certificate of Title from the New Mexico Motor Vehicle Division (MVD). However, you will not be able to register the camper or drive it legally until you have valid insurance.

Out-of-State Campers

If you are bringing a camper into New Mexico from another state, you must register it within 90 days of establishing residency in the state. The MVD will conduct a VIN inspection to ensure the camper is not stolen and has not been involved in any criminal activity.

Insurance for Gifted Campers

If you receive a camper as a gift and plan to sell or trade it, you can obtain a title without insurance. However, you will not be able to drive the camper legally until you have valid insurance. Once you obtain insurance, you can register the camper.

Camper Insurance Costs

The cost of camper insurance in New Mexico will vary depending on factors such as the age and value of the camper, as well as the insurance provider. The insurance provider will also consider the intended use of the camper and your driving record. It is recommended that you contact insurance providers directly for specific quotes.

In summary, camper insurance in New Mexico is essential for registering and legally operating your camper on public roads. The state has specific requirements for insurance coverage, and it is important to ensure that you comply with these regulations to avoid penalties and maintain proper coverage.

Camper title transfer process for out-of-state vehicles

To transfer the title of an out-of-state camper vehicle in New Mexico, you will need to follow the process outlined below.

Firstly, it is important to note that in New Mexico, a Certificate of Title is required to transfer ownership of a vehicle. This title serves as proof of ownership for a New Mexico resident. Only a single title is permitted to be issued and exist for the same vehicle simultaneously.

To ensure a smooth and quick titling process, you will need to provide the following documentation:

• The original or a certified copy of the bill of sale or dealer's invoice for your camper.
• Two proofs of New Mexico residency. This is only required if you do not possess a valid New Mexico driver's license with your current address.
• A valid New Mexico driver's license or state-issued ID.
• Proof of liability insurance for your camper.
• The current odometer reading of your camper.
• Lienholder information, if applicable.

Additionally, you must bring your out-of-state camper to the appointment for a Vehicle Identification Number (VIN) inspection. This inspection will be conducted by a certified VIN inspector when you arrive for your appointment to title your vehicle.

If your out-of-state camper has a lien on it, you will need to provide the name and address of the lienholder to the New Mexico Motor Vehicle Division (MVD). The MVD will then receive the vehicle title from the lienholder.

It is worth noting that in most cases, a vehicle is titled and registered simultaneously in New Mexico. However, there are certain conditions under which the MVD will issue a Certificate of Title without registering the vehicle or issuing a license plate. These conditions include situations where the vehicle is not operational, intended as a gift, or lacks insurance.

By following these steps and providing the necessary documentation, you can efficiently transfer the title of your out-of-state camper vehicle in New Mexico.

Camper title transfer process for new vs. used vehicles

In New Mexico, the titling and registration of a vehicle are usually done simultaneously. However, there are certain circumstances in which you can obtain a Certificate of Title without registering the vehicle or obtaining a license plate. These situations include:

• Purchasing a vehicle for reconstruction or rebuilding, with no intention to operate it for an extended period.
• Receiving a vehicle as a gift and planning to trade it in for another vehicle.
• Purchasing a vehicle that cannot be insured.

If you are obtaining a title and registering your vehicle at the same time, the process differs depending on whether it is a new or used vehicle.

New Vehicles

If you are registering and titling a new vehicle, you will need to present the following:

• Manufacturer's Statement of Origin.
• Invoice for the vehicle.
• Odometer statement.

Used Vehicles

If you are registering and titling a used vehicle, you will need the following:

• Title signed by the seller.
• Odometer statement.
• Proof of identity (driver's license).
• Two proofs of New Mexico residency (e.g., mail addressed to you or a utility bill).
• Proof of car insurance.
• Emissions test (for most vehicles).
• Vehicle inspection to ensure it is not stolen or involved in criminal activity.
• If you are still making payments on the vehicle, you will need a copy of the lienholder title.

The combined fee for registration and titling ranges from $27 to $62 per year, depending on the value and age of the vehicle. If you are obtaining a title only, the actual titling charge is $5. Additionally, an excise tax of 3% of the sale price is imposed on all vehicles being titled. If the vehicle is not registered within 90 days, the excise tax increases to 4.5%.

Frequently asked questions