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    New to Massachusetts Blog

    RMV-1 Form Download and Information

    Posted by Gordon Atlantic Staff

    Tue, Nov 26, 2019 @ 04:58 PM

    What is the RMV-1?

    Important Update: According to the Massaschusetts RMV website, the RMV-1 and RMV-3 form will no longer be accepted as of Monday, December 16, 2019. The replacement form for the RMV-1 and RMV-3 is the Registration and Title Application also known as the RTA. Click below to download a computer fillable version.

    New RTA Fillable Form

    Picture of RMV RTA form


    Note: We have removed the download link to the RMV-1 Form as it is being fazed out and replaced with the new Massachusetts RMV RTA Form


    An RMV-1 is a form that the Massachusetts RMV (Registry of Motor Vehicles) uses for registry transactions, including:

    • New plates for a new vehicle
    • A new title for a new vehicle
    • Transfer of existing plates from one car to another
    • Calculating and collecting Massachusetts Sales tax.

    How to fill out the RMV-1

    The form begins with the buyer’s name and address.  Your ‘registration’ ties your name to the plates you have on the new vehicle, whether you’re transferring plates (such as on a trade-in), or getting new plates.

    The RMV-1 also populates the name(s) and address that goes on the title.  The title is a separate document that specifies ownership of the vehicle.   It will be the document that you use in the future to complete a sale when you’re ready to sell the car. 

    The RMV-1 also includes any bank or lienholder, which also shows on the title.  This alerts the Massachusetts RMV (Registry of Motor Vehicles) that the new title (to the new owners) should be mailed to the bank or lienholder, who physically holds it until the loan is paid off.   If you’re buying a car with no loan, the title should go to your address directly; expect it usually within about a month.

    On a purchase where the plates transfer (from the old car to the new one), ownership should agree with the previous vehicle’s ownership.  This distinguishes for example, whether one person owns the vehicle or if it’s owned jointly by husband and wife.   If the previous car was owned jointly, the new car will use the same joint ownership.   (This can be amended, in a separate transaction at the Registry, or you can just get new plates).


    Massachusetts Sales Tax

    Sales tax is also calculated.  When a dealer takes a trade-in from you, they will show the value of the new car, less the value of the old car (the trade-in), and the sate only charges you 6.25% of the net.  For example, if you trade in a $5,000 car to buy a $20,000 car, you’ll pay sales tax on $15,000.  However, when you buy from other than a dealer, such as all private transactions, you’ll pay either the sales tax on the full sales price, or a sales tax that the Registry calculates based on their estimate of its value.   This is because some sellers take payment for one amount but show a lesser amount to try to lower your tax burden.  The RMV is savvy to that, so they might charge you more than you expect when you get to the window.


    Car Insurance

    Speaking of the window, when you go to the Registry yourself, they’ll check that the new car has insurance.  That’s where we come in.  The RMV-1 has an insurance verification area.  If you’re not transferring plates (and therefore insurance), you might need a new insurance policy.   This is different from other states; Massachusetts wants that new car to have insurance when you get plates.  They won’t issue plates if you don’t have insurance.   If you’re buying a new car, call us for a broad variety of carrier options.  If you have insurance, we typically apply an ‘e-stamp’ on an electronic version (in a pdf).   On occasion we still use an old fashioned rubber stamp for some auto dealers that fax us RMV-1s or bring them physically to our office.

    In summary, The RMV-1 is the same form that the Registry has used for decades, as the information is the same: name and address of new owners, description of the car, including year, make, model, and VIN (vehicle identification number), insurance company validation, seller information and bank or lienholder. 




    Tags: rmv, vehicle insurance, commercial vehicle, ma rmv, MA vehicle regs, rmv-1

    Mass REAL ID - Everything you need to know

    Posted by Gordon Atlantic Staff

    Tue, Nov 05, 2019 @ 03:48 PM

    Mass REAL ID - Everything you need to know

    Why do I need a Massachusetts Real ID?

    After October 2020 you will need a REAL ID or a passport to fly within the United States or enter federal buildings

    How do I get a Massachusetts Real ID?

    Go to the Registry of Motor Vehicles with the proper documentation to begin the process. You will need to prove 3 things before getting your REAL ID:

    1. S citizenship or lawful presence
    2. Social Security Number
    3. Massachusetts residency

    Please note that any documents you bring to prove the above will need to be originals to be accepted by the RMV and that one document cannot be used to prove multiple requirements. Visit the RMV website to see which types of documents are accepted to prove the above requirements.

    If you need help understanding what type of documentation to bring here is our breakdown:

    The documentation they’ll require to issue you a REAL ID can be broken down into three general categories:

                    Lawful presence:  Meaning, you’re allowed to be here.   Your U.S. passport or original birth certificate, or foreign passport with unexpired visa will do the trick for this part.  If you don’t have any of these, get an official birth certificate reissued from the Town Hall where you were living when you were born.   A copy won’t do it.  You need the original.

                    Your Social Security number: Bring your original Social Security card if you can locate it, or a W-2 or 1099 tax form from your last tax year.    A pay stub with your social security number on it will work too, but not many employers print social security numbers on pay stubs any more.

                    Massachusetts residency: Lots of choices here, but bring at least two of these for your REAL ID: current driver’s license, government mail received in the past 60 days, including property tax or excise tax bill, Firearm ID card, , utility bill, bank statement, pension statement, or auto or home insurance policy.  (If you’re a Gordon Atlantic Insurance customer, you can get a copy of these policy documents right from the Gordon Atlantic Insurance customer pp!)

    How much does a REAL ID cost?

    According to the RMV website, a real ID costs $50 which is the same as a license if you decide to get it at the time of renewal. However, if you wish to get a REAL ID before your license renewal date, it will cost $25 for an “amendment fee”.

    What is the difference between a Massachusetts REAL ID and a standard Massachusetts Driver’s License?

    • A Massachusetts REAL ID can be used to board a plane in the US or enter US federal buildings after October 2020. A standard license won't be able to do this.
    • The only noticeable visual difference between a REAL ID and a standard MA Driver’s License is a yellow star in the upper right hand corner of the REAL ID. A driver’s license won’t have the star but instead the words “NOT FOR FEDERAL ID”. See the example image below from the RMV

    RealID comparison

    Tags: travel, rmv, ma rmv, MA REAL ID, Massachusetts REAL ID

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