I think that I might not be doing a very good job of explaining my theory. Here's what I'm speculating: I believe that MC & BC had an auto insurance policy that included a "Credit Life" clause. And that once BC provided the insurance company with proof of his "death" that the insurance company then *automatically* pays off the balance owed, and also *automatically* reissues the a "free & clear" title to the (now paid off vehicle) owners of the insurance policy. Hence why the title transfer shows up with the names of both MC & BC.
See, I don't think it was anything BC did intentionally or really even had any say so in the matter. The policy paid off the truck. The new title was issued for both MC & BC. Then she sold it to (whoever?) a private buyer.
You're 100% correct STQ, she didn't need to do this in order to sell the truck, but I think it just happened that way.
It's my theory, anyhow, to explain why the title came back in their names . . . . .