Originally Posted by QuoteWarz Insurance
Ya, I have never known dealers to give out the MCO.
I've asked for and recieved the MCO when I bought my last motorcycle.
The reason I wanted the MCO vs having the dealer use it to get a title, is that I wanted to use the MCO to get a street license plate for it. With the MCO in hand, I could get it titled as street legal with DMV. However, if the dealer sent the MCO in the title would have been for off road only and I wouldn't have been able to get a plate for it.
Since I paid cash, dealer had no issue giving me the MCO and making it my responsibility to get it titled if I wanted it. In the case above, the state does NOT require require a title for motorcycles which aren't licensed, so since it was "off road" and didn't need a license, there was not title requirement.
However, I can see why a dealer may not want to go that route, especially if a loan is involved.
Also most states require vehicles to be titled, and if they give you the MCO they have no way of insuring it gets titled.
And if there is a loan, and they give you the MCO, then any lienholder won't be guarnteed they'll end up with there name on the title as lienholder for security.