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Buying a car · Guide for Mississippi

Title Check: what a Mississippi car title really says

No brand, salvage, rebuilt, flood and the other brands this state uses. Each word changes what the car is worth and what you can do with it.

7 min read·State-data source checkpoint: ·ES / EN·Sources: Miss. Code Ann. § 63-21-39; 35 Miss. Admin. Code Pt. VII, Subpt. 6, Ch. 05
A car key in the owner's hand
Photo: Shixart1985 · CC BY 2.0

The title is the document that says who owns the car and what serious things have happened to it. Brands and disclosures depend on the issuing jurisdiction’s rules; also review available records from previous states. A branded car can be the right buy at the right price; the problem is paying a no-brand price for one that has a brand.

Title brands and disclosure information in Mississippi

Brand or conditionWhat it meansWhat to do
No brandAn unbranded title does not establish that there were no accidents, flooding or repairs. Review available records and the car’s condition.Check odometer and listing history, and get a pre-purchase inspection.
SalvageAn insurer paid a total-loss claim for collision, fire, flood, hail, unrecovered theft or another event. Cars 10 years or older worth $1,500 or less, and damage fixed with 5 or fewer minor parts, do not count. It cannot be driven or get a plate, and a dealer cannot sell it until it has a Rebuilt title. An insurer that takes the car has 72 hours from receiving the owner's title to apply for the salvage title; if no insurer took the car, the owner must surrender the title to a DOR designated agent within 30 days of the car becoming salvage and before selling it (35 Miss. Admin. Code Pt. VII, Subpt. 6, Ch. 05, 301 and 303).Not a car to drive; a project. Only at a project price.
RebuiltIt was salvage and was rebuilt after repairing or replacing, due to collision, 1 major and 5 minor parts, 6 minor parts, 2 or more major parts, the cowl or firewall, or both the front-end assembly and rear clip. It passed the Department of Public Safety inspection, but that inspection only checks ID numbers and stolen parts: it says nothing about safety or condition.Ask for the list of replaced parts (the rebuilder had to file it) and an independent mechanical inspection before you pay.
Flood DamageThe car was a total loss due to water; the next title carries the "Flood Damage" brand. Water inside a modern car damages wiring, modules and airbags over time.For most buyers: no. If you still consider it, a full electrical inspection.
Hail DamageTotal loss due to hail; the next title carries the "Hail Damage" brand. Note: if the repair used 5 or fewer minor parts, the new title comes out with no brand.Check the roof, hood and glass in good light and pull the VIN history. Price by the real damage.
Junk · Non-Rebuildable · Certificate of Destruction · Parts OnlyMississippi will not title or register a car that carried any of these brands in any state. It is only good for parts or scrap.Never as a road car. If someone offers it with a plate, walk away.

The law protects you, if you use it

Brands are printed on the front of the title, and brands from other states are carried forward onto the Mississippi title (35 Miss. Admin. Code Pt. VII, 6.05.404). We did not find a law requiring a private seller to disclose brands in writing: check the title and ask before you sign. New-car dealers licensed by the Motor Vehicle Commission must disclose in writing, before delivery, repaired damage over 6% of the manufacturer's suggested retail price, measured by retail repair cost (MMVC Regulation 1.1). Watch the limits of that rule: damage to glass, tires and bumpers does not count, and neither does any part or option replaced with an identical original manufacturer part. A car can take a hard hit and still land under that 6%. Lying about the car's condition is a deceptive practice under the Consumer Protection Act (Miss. Code Ann., Title 75, Ch. 24).

What the law does not coverA title record does not describe every repair or mechanical problem. Review available history from other states and consider an independent inspection.

How to review the title and available history

  1. MV e-Services — Title Status Lookup: check the service coverage, costs and access requirements; not every service displays title-brand history.
  2. NMVTIS: the federal title-history system. Consumer access is through approved providers; report prices and limitations depend on the service.
  3. NICB VINCheck: thefts and total losses reported by insurers.
  4. The paper: ask to see the physical title (or the printed electronic one) before handing over money. The VIN on the title must be the car's, and the name the seller's.

Odometer: the other brand

Where an odometer disclosure is required, review the mileage and any notation of unknown mileage or counter limits. Exemptions exist; check current requirements and compare the odometer with maintenance and inspection records.

How much it changes the price

This guide sets no fixed discount and recommends no individual vehicle price. Consider condition, documented repairs, insurance terms and market context, supported by an independent inspection.

From a guide to the individual vehicle

Understand the report levels

Specifications, market signals and listing history have different scopes. Compare the levels and available-data limits before choosing a report.

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Sources

This guide informs; it is not legal or financial advice, nor an offer, quote or appraisal. Every figure carries its source and date; check it is still current before you decide.

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