The leasing company does have the title but the title has to be changed to the state the vehicle is garaged and then sent back to leasing company. Every state has its own laws regarding auto insurance. This is why the vehicles have to be insured and registered in state they are garaged. That can not be done until title is changed to the state you live. Not hard to do. Clerks office handles everything for you.
Even if you are buying a vehicle and have it financed the clerks office has to get the title from the lending company, change to Florida and mail back to them.
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