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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 better financial choices by providing you with interactive tools and financial calculators as well as publishing honest and original content. This allows you to conduct research and compare data for free – so that you can make sound financial decisions. Bankrate has agreements with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The products that appear on this site are from companies that pay us. This compensation could affect how and where products are displayed on the site, such as for instance, the order in which they appear in the listing categories, except where prohibited by law. Our mortgage or home equity products, as well as other home loan products. This compensation, however, does have no impact on the content we publish or the reviews that appear on this website. We do not include the universe of companies or financial deals that could 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 5 years experience working in the field of personal finance. She is also a full-time librarian at the local library where she helps her community access information about financial literacy, among other topics.

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 easily land 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 considering purchasing a used vehicle. But be careful that the theft rate is increasing and you don’t want to buy a car that was stolen. In 2021, 932,329 vehicles were reported as stolen, an increase of 10.9 percent from 2020 according to the (NICB). There is also a chance that the car you’re considering buying may be a copy of a vehicle. Cloning a car is when a car-thief steals the license plate and registration stickers from a legal vehicle and then puts the same on a stolen vehicle with a similar model and model. The thief may also utilize fake documents to offer you a hot car. Be careful when purchasing through a private seller or a dealer. If something seems odd, consider a different source. There are a lot of used vehicles available for sale. 6 steps to check whether the car you’re considering buying is stolen. To be safe from the stress of purchasing an unoriginal car, you must take these steps. 1. Verify the VIN thoroughly. You can do this by checking the information with government agencies or your state’s department of motor vehicle. You can also look up the car’s VIN through the NICB’s VIN Check service, suggests Renee Valdes, senior advice editor at Kelley Blue Book. This free service can inform you of any insurance documents for a stolen car, including a vehicle that has not yet been recovered. “Some vehicles have the VIN inside the front driver doors or even on their windshields and some owners may have the VIN etched on the window or inside the engine,” states Valdes. “Carmakers would like to make it more difficult for thieves to steal VINs and create fake one.” It is possible that the VIN could also be etched on the dashboard of the car. Be thorough, especially with letters and numbers that look like each other. Because the VIN must be located in multiple places, examine each to ensure that they are in line. If they don’t it could be because they were tampered with. 2. Buy a car history report Order a vehicle history report with the VIN and suggests Valdes. The companies that offer report on the history of a vehicle include . “These aren’t very costly and are well worth the investment,” says Valdes. The reports on vehicle history include details such as Service history, Information on the title Liens that are held on the vehicle’s history of accident and damages Previous owners while the report will list the names of the previous owners, it will not list the names of the owners. “If you can trace the past up to date, there’s a good chance it’s well taken care of and isn’t stolen,” says Valdes. However, if there’s 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 look up a car’s title using the . If the person trying to sell you the car isn’t the person listed as the owner on the title then you’ll know that it’s a stolen vehicle. Having access to the car’s title can help you determine any differences between what the seller is saying against what’s written on the title, for instance if the car is an and the mileage was when it was sold last. 4. Ask the seller for the vehicle’s service records If the seller is able to show the receipts for maintenance, there is 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 match the vehicle. Review the maintenance logs with the car’s history report and determine if they’re in alignment. “A vehicle is usually the second biggest purchase for consumers,” says Valdes. “I always treated my car as if I’d sell it someday and that means taking good care of your vehicle and getting regular oil changes.” Also, you should ask to see if you can get the previous invoice of sale that was issued when the seller first purchased the vehicle. It can’t hurt to request the seller’s contact information and what they originally purchased the vehicle for. A legitimate seller shouldn’t hesitate to give you this information. 5. Contact your insurance provider to inspect your car. Find out if your insurance company it’s willing to inspect the vehicle for safety and for any indications of fraudulent activity. It is still recommended to conduct yourself due due diligence but your insurance company may be able to find additional evidence to prove that your vehicle is safe and legal all requirements. In addition, some states and insurance companies might need to inspect your vehicle when you . This typically happens before the insurance company is able to approve your insurance policy for autos. And usually, it is only needed if you’re purchasing certain types of coverage, such as . 6. Take your time if the price is too good to be real, or the seller is too keen to sell you the car and is urging you to pass and go elsewhere, follow your gut. There are many sellers, and used car dealerships, there are plenty of trustworthy options to choose from. You may notice differences between what the seller is telling you about the vehicle and what you find out in your study. It’s not always a warning sign. There are many car owners who keep precise records. And if the vehicle has been bought and sold several times, it could have an inaccuracy. But if you spot discrepancies with no reasonable explanation then walk away. What should you do if the vehicle you’re purchasing is stolen? If you learn that the vehicle you’re purchasing is stolen, file a police report. Give your sales receipt along with any other pertinent documents and other information. If the vehicle you purchased was stolen or is a “cloned car,” it was never really yours. This means you are not the legal owner of the vehicle and the vehicle will be confiscated and returned to the correct owner. If a theft claim has already been issued to the insurance company, the vehicle will go to the car insurance company. The loss will be the same. If you haven’t bought the vehicle yet, simply walk away without looking at it, suggests Valdes. Once it’s safe to do this, file a police report. The bottom line As thieves are getting craftier, stay alert about potential threats and investigate the vehicle thoroughly, suggests Valdes. This includes doing a search of the VIN and requesting a vehicle history report and asking for additional information and documents to determine whether the vehicle has been stolen. “Don’t back down from taking every precaution, especially in this hot used car market,” says Valdes.

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Written by Business and personal finance Contributor

Kellye Guinan is a freelance editor and writer who has more than five years ‘ experience within personal financial matters. She is also a full-time librarian at the local library where she helps her community get information about financial literacy, among other subjects.

Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He believes in transparent reporting that allows readers to confidently land deals and make the best decisions for their financials. He is a specialist in small business and auto loans.

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