* Obtain a duplicate title: This is the most crucial step. You'll need to contact your local Department of Motor Vehicles (DMV) or equivalent agency in your state. They will guide you through the process of applying for a duplicate title. You'll likely need to provide proof of identification, proof of ownership (like a bill of sale if you still have it), and possibly pay a fee.
* Provide the DMV with all necessary documentation: This may include the VIN (Vehicle Identification Number), proof of purchase, etc. The requirements vary by state.
* Once you have the duplicate title: You can then provide a copy to the insurance company as proof of ownership. They will likely require this document to finalize your policy.
* Consider reporting the lost title: While not always mandatory for obtaining a duplicate, reporting the loss to your local DMV can help prevent fraud.
In short: You can't get insurance without proof of ownership. Getting a duplicate title from the DMV is the key to resolving this issue. Contact your DMV immediately to start the process.