My GEM had never been titled. I went through all kinds of hoops with the DMV here in TX. The last thing they sent me out for was a “dealer quote” on the vehicle worth. Yeah, right. I called a local Polaris dealer. They referred me to the Polaris HQ. Since my vehicle had never been titled, and I had a bill of sale along with pictures of the car in my driveway and of the VIN number, they had the local dealer verify and fax that two them. A week later I had an MSO directly from Polaris.
Don’t know if this helps at all, but it saved me a ton (over a bonded title) and wasn’t that hard once I had the lead from the local Polaris dealer.