What Is Florida HSMV Form 82090?
Form HSMV 82090 is an official FLHSMV document that serves two primary purposes under Florida law:
- It acts as a formal statement from the insurance company confirming that unsuccessful attempts have been made to obtain the certificate of title from the owner or lienholder.
- It requests that the Department issue a salvage certificate of title or a certificate of destruction in the insurance company’s name after payment of a total loss claim.
The form is specifically authorized by Florida Statute § 319.30(3)(b)1. According to the statute and the form itself, attempts to contact the owner or lienholder may be made by written request delivered in person or by first-class mail with a certificate of mailing to the last known address.
The current version of the form is dated 07/21 (July 2021) and remains the official document listed on the FLHSMV forms page.
When Is Form HSMV 82090 Required?
Insurance companies typically use Form 82090 in the following situations:
- The insurer has paid a total loss claim on a motor vehicle or mobile home.
- The insurer has been unable to obtain a properly assigned paper certificate of title or a completed electronic title assignment from the owner or lienholder.
- At least 30 days have passed since the total loss claim payment.
- The insurer has obtained the release of all liens (or paid the lienholder and received proof of satisfaction).
- The insurer needs a salvage certificate of title or certificate of destruction issued in its name so it can dispose of the vehicle properly.
Under Florida law, a motor vehicle is generally considered a total loss when an insurance company pays the owner to replace the wrecked or damaged vehicle with one of like kind and quality, or when an uninsured vehicle’s repair costs equal or exceed 80% of its replacement cost. The insurer cannot lawfully dispose of a total-loss vehicle until a salvage title or certificate of destruction has been issued.
Key Sections of Form HSMV 82090
The form is divided into three main sections:
Section 1 – Owner-Lienholder / Vehicle Information
- Name of Owner
- Name of Lienholder (if applicable)
- Mailing addresses for both owner and lienholder
- Vehicle Year, Make, Vehicle Identification Number (VIN), and Title Number
Section 2 – Insurance Company Information
- Name of Insurance Company
- Telephone Number
- Mailing Address
- Policy Number of Insured
- Claim Number of Insured
Section 3 – Insurance Payment Information
- Claim Payment Method
- Claim Payment Date
- Proof of Claim Payment to Owner or Lienholder (for example, check number, wire transfer details, or date the owner accepted payment)
The form must be signed by an authorized insurance agent under penalties of perjury, with a printed name also required.
At the top of the form, the insurance company must indicate whether the request is for a Salvage Certificate of Title or a Certificate of Destruction.
How to Download Florida HSMV Form 82090?
The official, fillable PDF version of Form HSMV 82090 is available directly from the Florida Department of Highway Safety and Motor Vehicles:
Download Official Florida HSMV Form 82090 (PDF)
Always download the form from the official FLHSMV website to ensure you are using the most current version. The form is also listed on the main FLHSMV Forms page under the number 82090.
Related Forms and Supporting Documents
When submitting Form 82090, insurance companies often need to include additional documentation, such as:
- Form HSMV 82363 – Application for Salvage Title or Certificate of Destruction (completed by an authorized agent of the insurance company)
- Proof of total loss claim payment (check number, wire confirmation, or acceptance date)
- Lien satisfaction documents or proof that the claim was paid directly to the lienholder
- Applicable title fees
A related but different form is HSMV 82089 – Insurance Company Motor Vehicle or Vessel Release Statement, which is used when an insurance company authorizes an independent entity to release a vehicle or vessel to the owner.
Legal Basis: Florida Statute § 319.30
Florida Statute § 319.30 governs the handling of salvage and total-loss vehicles. Key points relevant to Form 82090 include:
- Insurance companies that pay a total loss claim must obtain the title and forward it to FLHSMV within 72 hours after receiving it (with certain exceptions when the owner retains the vehicle).
- If the insurer cannot obtain the title after 30 days from claim payment, it may apply for a salvage certificate of title or certificate of destruction using the department’s prescribed form (HSMV 82090) after meeting specific conditions, including lien releases and attestation of payment.
- The vehicle cannot be disposed of until the proper salvage title or certificate of destruction is issued.
For the most current statutory language, refer to the official Florida Senate Statutes – Chapter 319.30.
Where to Submit Form HSMV 82090
Completed forms and supporting documents are typically submitted to a local Florida county tax collector’s office or license plate agency that processes titles. Some transactions may also be handled through FLHSMV regional offices or authorized electronic systems when available.
Insurance companies should contact the appropriate county tax collector or refer to current FLHSMV title procedures (such as Procedure TL-36) for the most up-to-date submission requirements.
Important Tips for Insurance Companies and Agents
- Keep detailed records of all attempts to contact the owner or lienholder (including certificates of mailing).
- Clearly document the method and date of claim payment in Section 3.
- Ensure all liens are properly released or satisfied before applying.
- Use only the official FLHSMV form and sign under penalties of perjury.
- Verify current fees and any additional required forms with the local tax collector’s office before submission.
Frequently Asked Questions
Is Form HSMV 82090 only for insurance companies?
Yes. The form is designed for use by insurance companies (or their authorized agents) that have paid a total loss claim and cannot obtain the title from the owner or lienholder.
Can the vehicle owner use this form?
No. When an owner retains a total-loss vehicle, different procedures and forms (such as HSMV 82363 with the “Salvage by Owner Retained” designation) apply.
Is the form required for every total loss claim?
No. It is specifically used when the insurance company is unable to obtain the properly assigned title after meeting the statutory waiting period and other conditions.
Where can I find the most current version?
Always download Form 82090 directly from the official FLHSMV website: https://www.flhsmv.gov/pdf/forms/82090.pdf.
Conclusion
Florida HSMV Form 82090 plays an essential role in the proper processing of total-loss motor vehicles when an insurance company cannot secure the original title. By correctly completing and submitting this Statement of Fact along with supporting documentation, insurers can obtain a salvage certificate of title or certificate of destruction in their name and comply with Florida Statute § 319.30.