To obtain a replacement (duplicate) title, fill out an Application for a Duplicate Certificate of Title form available at the link
Show Owners exactly as on the original title. Take it to a County Clerks office.
You can also mail it to a County Clerks office. Fee is $11. If replacing a damaged title, the damaged title must be attached to the application. If the title showed a lienholder (lender), you must submit an original document (no copies) from the lienholder showing the lien is paid off.
REPLACEMENT TITLE – TENNESSEE
You cannot transfer ownership of your vehicle if you do not possess the Title Certificate. The most common reason you would not possess the Certificate is that there is a lienholder (lender) for the vehicle. In this case the lien holder maintains control of the title until the lien (loan) is paid off. This common situation does not require a replacement of the original title, but instead a transfer of the title to you.
REPLACEMENT. The title must be “replaced” if the original has been lost, damaged (rips, coffee stains, water damage), has cross outs or white outs, or has incorrect entries (such as seller’s printed name and signature not matching the official names on the front of the title) or signatures in the wrong place.