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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 goal is to help you make better financial decisions by offering financial calculators and interactive 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 such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies who pay us. This compensation can affect the way and where products appear on the site, such as such things as the order in which they appear in the listing categories, except where prohibited by law for our mortgage or home equity products, as well as other products for home loans. However, this compensation will not influence the information we provide, or the reviews that you read on this site. We do not cover the vast array of companies or financial offerings that could be available to you.



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Whisson/Jordan/Getty Images
4 min read. Published on October 11, 2022.
Authored by 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 is also a full-time employee at the library in her town which she assists her local community to access information about financial literacy, in addition to other topics.







Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He values the clarity of his reporting, which helps readers successfully find deals and make the most appropriate choices regarding their finances. He specializes in small and auto loans.









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With prices for new cars at record highs, you might be thinking about purchasing a used car. Be cautious because car theft is on the rise and you don't want to purchase a stolen ride. In 2021, 932,329 vehicles were reported stolen, up 10.9 percent from the year before according to the (NICB). There's also the possibility that the car you're looking to buy may be a copy of a vehicle. Car cloning occurs when a car-thief steals license plates, as well as registration stickers from a legal vehicle and then puts the same on a stolen vehicle with a similar model and model. The thief also might use counterfeit documents to sell you a brand new car. Proceed with caution when buying from a private dealer or a dealership. If something seems off, 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 cloned car, adhere to these steps. 1. Make sure to check the VIN thoroughly You can check the information with government agencies or your state's department of motor vehicle. You can also look up the vehicle's VIN through the NICB's VIN Check service, suggests Renee Valdes, senior advice editor at Kelley Blue Book. This service is free and will inform you if there are any insurance documents for a stolen vehicle, which includes one that is not yet recovered. "Some vehicles put the VIN inside the front driver's doors or even on their windshields and some owners can have the VIN printed on the windows or inside the engine" says Valdes. "Carmakers want to make it more difficult for thieves to steal VINs and make counterfeit one." It is possible that the VIN can also be stamped into the vehicle's dashboard. Be cautious, especially when it comes to numbers and letters that appear like each other. Because the VIN must be located in multiple locations, check each to ensure that they are in line. If not it could be because they were tampered with. 2. Buy a report on the history of your vehicle. Order a vehicle history report by using the VIN and suggests Valdes. Companies offering vehicle history reports include or . "These reports aren't too expensive and are worth the cost," says Valdes. Vehicle history reports include information like: Service history Title information Liens held in the car's accident history and damage Previous owners although the report will show the number of prior owners of the vehicle, it doesn't list the names of the owners. "If you can trace the past up to the present, there's a good chance it's been well-maintained and not stolen," says Valdes. However, if there are gaps in the history or the car isn't up to the present, it could be a sign that the car is stolen. 3. Conduct a title search can look up a car's title through the . If the person trying to sell you the car isn't the person listed as the owner on the title you'll be able to tell that the car is stolen. Accessing the title of the vehicle can help determine any differences between what the seller is saying in relation to the information on the title, like in the case of an and the mileage was when it was last sold. 4. Request the seller's car's service history If the seller can show you maintenance receipts you have a better chance it is not a stolen vehicle as explained by Valdes. Examine the receipts to determine if the VIN, make and model on the receipts correspond to the car. Review the maintenance logs with the history of your vehicle report to see if they match. "A car is often a consumer's second largest purchase," says Valdes. "I always treated my vehicle as if I'd be selling it one day, which means taking good care of the car and ensuring regular oil change." Additionally, ask whether you can see the previous bill of sale when the seller bought the vehicle. It's not too late to inquire about the contact information of the seller as well as 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 conduct an inspection. Find out if your insurance company it's willing to inspect cars for safety, and for any indications of fraudulent activity. However, you should conduct your own due diligence however, your insurance provider may be able to find additional details to verify that the car is legal board. Furthermore, certain states and insurance companies might need to inspect your car prior to you . This typically happens before the insurance company approves your auto insurance policy. It is only required if you are buying specific types of insurance, such as . 6. Trust your gut If you think the price is too great to be real, or the seller is incredibly eager to sell you the car and wants you to take a break , trust your instincts. There are many sellers, as well as used vehicle dealerships, there are plenty of genuine options available. There may be a difference between what the seller tells you about the car and what you find out in your investigation. That's not always a warning sign. There are many car owners who keep detailed records. If the car has been purchased and sold numerous times, there could be an inaccuracy. But if you spot discrepancies that aren't explained take a step back. What do you do if you find that the vehicle you're purchasing is stolen If you find out whether the vehicle you're purchasing is stolen, file a police report. You must provide your purchase bill as well as any relevant documents and details. In the unfortunate event that the vehicle you purchase was stolen or is a "cloned vehicle," it was never actually yours. That means that you're not the car's legal owner and the vehicle is confiscated and then returned to the rightful owner. If a claim for theft has been made insurers, the car will be returned to the insurance company. The loss will be the same. If you haven't bought the car yet, just walk away from the car and do not look back, advises Valdes. When it's safe to do this, file an official police report. The most important thing to remember is that thieves become more sophisticated, stay alert about potential risks and study the car thoroughly, advises Valdes. This means doing a Google search on the VIN and requesting a vehicle history report and asking for additional information and documents to identify if the car is stolen. "Don't be afraid to take every precaution, especially in the booming used automobile industry," says Valdes.


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Written by Personal and business finance contributor

Kellye Guinan is a freelance editor and writer with over five years of experience in personal finances. She also works full-time as a 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 believes in the clarity of his reporting, which helps readers successfully find deals and make the best choices for their finances. He specializes in auto and small business loans.











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