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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 mission is to help you make smarter financial decisions by providing you with interactive financial calculators and tools as well as publishing honest and original content. This allows you to conduct your own research and compare data for free to help you make sound financial decisions. Bankrate has partnerships with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The products that appear on this website are provided by companies who pay us. This compensation could affect how and where products are displayed on this site, including, for example, the order in which they may be listed within the categories of listing and other categories, unless prohibited by law for our mortgage or home equity products, as well as other home loan products. However, this compensation will not influence the information we provide, or the reviews appear on this website. We do not cover the entire universe of businesses or financial offers that may be accessible to you.
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4 min read. Published on October 11, 2022.
Writer: Kellye Guinan Written by Personal and Business Finance contributor
Kellye Guinan is a freelance editor and writer with more than five years ‘ experience within personal finances. She’s also a full-time worker at her local library where she helps her community gain access to information on financial literacy, among other subjects.
Edited by Helen Wilbers Edited by
Helen Wilbers has been editing for Bankrate since late 2022. He is a fan of clear reporting that helps readers confidently find deals and make the best decisions for their financials. He is a specialist in small business and auto loans.
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With new car prices at record highs, you might be looking into purchasing a used vehicle. But be careful because the theft rate is increasing, and you don’t want to purchase a vehicle that has been stolen. In 2021 932,329 cars were reported as stolen, an increase of 10.9 percent over 2020 according to the (NICB). There’s also a chance that the vehicle you’re looking to buy may be a copy of a vehicle. Cloning a car is when a car thief takes the license plate and registration stickers from a legal vehicle and puts them on a stolen vehicle that is similar in make and model. The criminal may also use counterfeit documents to sell you a car that is hot. Proceed with caution when buying from a private dealer or a dealership. And if something feels off, look elsewhere. There are plenty of second hand vehicles available for sale. 6 steps to find out 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 do this by checking the with government agencies and your state’s department of motor vehicles. You can also check the vehicle’s VIN by using the National Insurance Crime Bureau’s VIN Check service, suggests Renee Valdes, senior advice editor at Kelley Blue Book. This free service can inform you if there are any insurance records of a stolen car, including a vehicle that is not yet recovered. «Some vehicles put the VIN inside the front driver entrance or the glass and some owners can have the VIN etched on the window or inside the engine» Valdes says. Valdes. «Carmakers would like to make it more difficult for criminals to steal VINs and make counterfeit one.» The VIN can also be stamped on the dashboard of the car. Be careful, particularly with numbers and letters that appear similar. Because the VIN must be located in multiple locations, check each to ensure that they are in line. If they don’t, they may have been tampered with. 2. Buy a car history report Request a report on the history of your vehicle using the VIN and suggests Valdes. Companies offering report on the history of a vehicle include . «These aren’t expensive and are well worth the investment,» says Valdes. The reports on vehicle history include details like Service history Information on the title Liens that are held in the car’s accident history and damage Previous owners But while the report will list the names of the prior owners of the vehicle, it doesn’t provide the names of owners. «If your history goes complete to the present and it’s in good condition, then it’s been well-maintained and not stolen,» says Valdes. However, if there are gaps in the history or the vehicle isn’t up-to date, that could indicate the vehicle has been stolen. 3. Conduct a title search can look up a car’s title through the . If the person who is trying to sell you the car doesn’t match the name on the title, then you’ll know that the car is stolen. The title of the vehicle can help detect any discrepancies in what the seller is saying in relation to the information on the title, like if the car is an and the mileage was when it was sold last. 4. Ask the seller for the service records of the vehicle If the seller has you maintenance receipts, there is a better chance it is not a stolen car as explained by Valdes. Verify whether the VIN, make and model on the receipts match the car. Compare the maintenance records with the vehicle history report and determine if they’re in alignment. «A car is often the second biggest purchase for consumers,» says Valdes. «I always treated my car as if I’d sell it someday, which means taking good care of your vehicle and getting regular oil changes.» In addition, inquire to see if you can see the previous invoice of sale that was issued when the seller bought the vehicle. It can’t hurt to request the contact information of the seller as well as how much they originally bought the car for. A trustworthy seller will be able to supply you with this information. 5. Ask your auto insurance company to conduct an inspection. Find out if your insurance company it’s willing to inspect the vehicle for safety and any signs of fraud. You should still do your own due diligence but your insurance company may be able to provide additional details to verify that your vehicle is safe and legal all requirements. Furthermore, certain states and insurance companies might require an inspection of your vehicle prior to you . This typically happens before the insurance company is able to approve your auto insurance policy. It is only needed if you’re buying specific types of insurance like . 6. Take your time if you think the price is too great to be true, or the seller is incredibly eager to sell the car and is urging you to take a break the deal, go with your gut. In between other sellers or used auto dealerships there are many trustworthy options to choose from. You might notice a difference in what the dealer is telling you about the car and what you find out through your research. This isn’t always a red flag. There are many car owners who keep detailed records. If the car has been purchased and sold several times, it could have certain information that is not there. If you notice any discrepancies with no reasonable explanation, walk away. What should you do if the vehicle you’re purchasing is stolen If you find out whether the vehicle you’re purchasing is stolen, make an official police report. Provide your bill of sale as well as any relevant documents and details. In the unfortunate event that the vehicle you bought was stolen, or is a «cloned car,» it was never actually yours. That means that you’re not the legal owner of the vehicle and the vehicle is taken away and given to the correct owner. If a theft claim has been made insurers, then the car will go to the car insurance company. Any will be a loss. If you haven’t bought the car yet, just walk away from the car and do not look back, suggests Valdes. Then, when it’s safe to do so, file an official police report. The key point is that as criminals are becoming more clever Be aware of possible dangers and research the car thoroughly, says Valdes. This could include doing a search on the VIN or requesting a car history report, and asking for additional documents and details to determine any signs of theft. «Don’t let yourself be swayed from taking every precaution in the booming used car industry,» 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 finances. She is also a full-time worker at her local library which she assists her local community to gain access to information on financial literacy, as well as other topics.
Edited by Helen Wilbers Edited by
Helen Wilbers has been editing for Bankrate from late 2022. He values clear reporting that helps readers successfully land deals and make the most appropriate choices regarding their finances. He specializes in small and auto loans.
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