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How to tell if you’re buying a stolen car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering interactive tools and financial calculators that provide objective and unique content. We also allow users to conduct research and compare data for free to help you make sound financial decisions. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The products that appear on this website are provided by companies that pay us. This compensation could affect how and when products are featured on this site, including such things as the order in which they may be listed within the categories of listing and other categories, unless prohibited by law. This applies to our mortgage home equity, mortgage and other products for home loans. This compensation, however, does have no impact on the content we publish or the reviews appear on this website. We do not contain the entire universe of businesses or financial offerings that could be available to you.
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4 min read. Published October 11, 2022
Written by Kellye Guinan Written by Personal and business finance contributor
Kellye Guinan is a freelance editor and writer who has more than five years of experience in personal finances. She also works full-time as a employee at the library in her town in which she assists the community get information about financial literacy, as well as other subjects.
Edited by Helen Wilbers Edited by
Helen Wilbers has been editing for Bankrate since late 2022. He values clear reporting that helps readers confidently get deals and make most appropriate choices regarding their finances. He specializes in small and auto loans.
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With new car prices at record highs, you might be thinking about purchasing a used car. But be careful because car theft is on the rise and you don’t want to purchase a vehicle that has been stolen. In 2021 932,329 cars were reported stolen, up 10.9 percent over 2020, according to the National Insurance Crime Bureau (NICB). There’s also a chance that the vehicle you’re looking to buy is a replica of the vehicle. Car cloning occurs the process where a car burglar steals license plates, as well as registration labels from a legitimate vehicle and then puts them on a stolen car with a similar model and model. The criminal may also make use of fake documents to sell you a brand new car. Be cautious when purchasing from a private dealer or a dealership. If something seems strange, you should look elsewhere. There are plenty of second hand cars on the market. 6 steps to check whether the car you’re purchasing is stolen. To avoid the hassle of buying a fake car, make sure you take these steps. 1. Verify the VIN thoroughly You can check the with government agencies and your state’s department of motor vehicles. You can also verify the vehicle’s VIN via the National Insurance Crime Bureau’s VIN Check service, suggests Renee Valdes, senior advice editor at Kelley Blue Book. This free service will tell you whether there are insurance records of a stolen vehicle, which includes one that is not yet recovered. «Some vehicles have the VIN in the driver’s front door or on the windshield, and some owners may have the VIN printed on the windows or inside the engine» Valdes says. Valdes. «Carmakers want to make it more difficult for thieves to steal VINs and make fake ones.» This VIN can also be stamped onto the dashboard of the vehicle. Be careful, particularly with numerals and letters that look similar. Since the VIN is required to be found in several locations, check each to see if they match. If they don’t, they may have been altered. 2. Buy a car history report Request a report on the history of your vehicle with the VIN, suggests Valdes. Companies offering report on the history of a vehicle include . «These aren’t expensive and are well worth the investment,» says Valdes. Reports on the history of a vehicle include things like Service history Title information Liens held in the car’s accident history and damages Previous owners even though the report will include the number of previous owners, it won’t list the names of the owners. «If the history is complete to date it’s likely that it’s been well-maintained and not taken away,» says Valdes. However, if there are any gaps in the history, or the vehicle isn’t up-to date, that could indicate that the car is stolen. 3. Do a title search You can search for a vehicle’s title through the . If the person who is trying to sell you the car isn’t the person listed as the owner on the title you’ll be able to tell that it’s a stolen vehicle. Accessing the car’s title can help you identify any contradictions between what the seller is telling you versus what’s on the title, for instance if the car is an and the mileage was when it was last sold. 4. Ask the seller for the vehicle’s service records If the seller has you receipts for maintenance you have a better chance that it’s not a stolen vehicle, explains Valdes. Check to see whether the VIN the make, model and year on the receipts correspond to the car. Check the maintenance records against the vehicle history report and check if they are in line. «A car is often the second biggest purchase for consumers,» says Valdes. «I always thought of my car as if I’d eventually sell it and that means taking proper care of it and having regular oil changes.» In addition, inquire to see if you can look up the prior bill of sale when the seller bought the car. It can’t hurt to request the seller’s contact information and how much they originally bought the vehicle for. An honest seller should not hesitate to give you this information. 5. Ask your auto insurance company to inspect your car. Check with your insurance provider if they’re willing to check the vehicle for safety and for any indications of fraudulent activity. However, you should conduct the necessary due diligence but your insurance company may be able to find additional evidence to prove that your vehicle is safe and legal all requirements. Furthermore, certain states and insurance companies could need to inspect your car prior to you . This typically happens before the insurance company approves your insurance policy for autos. It is only needed if you’re buying certain kinds of insurance for example . 6. Take your time if you think the price is too great to be real, or the seller is overly keen to sell you the car and wants you to skip the deal, go with your gut. In between other sellers as well as used vehicle dealerships, there are plenty of legitimate options out there. You may notice differences in what the dealer is telling you about the vehicle and what you find out during your study. This isn’t always a red flag. Some car owners don’t keep meticulous records, and if the car has been purchased and sold multiple times, it could have certain information that is not there. However, if you find any irregularities that aren’t explained then walk away. What to do if the vehicle you’re purchasing is stolen? If you learn that the vehicle you’re purchasing is stolen, make an official police report. Provide your bill of sale along with any other pertinent documents and information. Unfortunately, if the car you purchased was stolen or is an «cloned car,» it was never actually yours. This means you are not the legitimate owner of the car and the vehicle is taken away and given to the rightful owner. If a claim for theft has been made an insurance firm, the vehicle is returned to the insurance company. The loss will be the same. If you haven’t bought the car yet, just walk away without looking back, advises Valdes. Once you’re sure to do so, you can file an official police report. The most important thing to remember is that criminals are becoming more clever, stay alert about potential dangers and research the car thoroughly, says Valdes. This could include doing a search of the VIN or requesting a car history report and asking for additional documents and information to determine if the car is stolen. «Don’t back down from taking every precaution, even in the booming used car marketplace,» says Valdes.
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Written by a Personal and Business finance contributor
Kellye Guinan is a freelance editor and writer with over five years of experience in personal financial matters. She’s also a full-time worker at her local library in which she assists the community access information about financial literacy, in addition to other topics.
Editor: Helen Wilbers Edited by
Helen Wilbers has been editing for Bankrate since late 2022. He values clear reporting that helps readers successfully get deals and make most appropriate choices regarding their finances. He specializes in small business and auto loans.
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