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4 min read. Published October 11, 2022
Writer: Kellye Guinan. Written by personal and Business Finance contributor

Kellye Guinan is a freelance editor and writer who has more than five years ' experience within personal finances. She's also a full-time employee at the library in her town where she helps her community get information about financial literacy, among 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 best decisions for their financials. He specializes in small business and auto loans.









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With new car prices at new highs, you may be looking into purchasing a used car. Be cautious -- the theft rate is increasing, and you don't want to buy a car that was stolen. In 2021, 932,329 cars were reported as stolen, an increase of 10.9 percent from 2020 According to the National Insurance Crime Bureau (NICB). There's also the possibility that the car you're looking to buy is a replica of the vehicle. Car cloning is the process where a car burglar steals the license plate, and registration marks from a legal vehicle and puts them on a stolen car of a similar make and model. The thief also might make use of fake documents to sell you a car that is hot. Be careful when purchasing from a private dealer or from a dealer. If something seems off, look elsewhere. There are a lot of used vehicles available for sale. 6 steps to check whether the car you're purchasing is stolen. To avoid the headache of purchasing a cloned car, take 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 vehicles. You can also look up a car's VIN by using the NICB's VIN Check, which is recommended by Renee Valdes, senior advice editor at Kelley Blue Book. This service is free and will inform you of any insurance documents for a stolen vehicle, which includes one that has not yet been recovered. "Some vehicles have the VIN inside the front driver entrance or the glass and some owners might have the VIN printed on the windows or even inside the engine," says Valdes. "Carmakers are trying to make it more difficult for criminals to steal VINs or create counterfeit ones." The VIN can also be stamped onto the dashboard of the vehicle. Be thorough, especially with letters and numbers that look identical. Because the VIN is required to be found in several locations, check each to see if they match. If they don't then they could have been tampered with. 2. Buy a report on the history of your vehicle. Get a history report for your car using the VIN as suggested by Valdes. Businesses that provide vehicle history reports include or . "These reports aren't too expensive and are worth the cost," says Valdes. Reports on the history of a vehicle include things like: Service history Information on the title Liens that are held on the vehicle's history of accident and damage Previous owners although the report will show the number of prior owners of the vehicle, it will not provide the names of owners. "If you can trace the past complete to the present it's likely that it's in good hands and isn't stolen," says Valdes. However, if there's gaps in the history or it's not up to date, that could indicate the vehicle has been stolen. 3. Perform a title search can search for a car's title by using the . If the person who is trying to sell you the vehicle isn't listed in the document, then you'll know that it's a stolen vehicle. Accessing the title of the car can help you identify any contradictions between what the seller is saying against what's written on the title, like if the car is one and what the mileage was at the time it was sold last. 4. Ask the seller for the service records of the vehicle If the seller can show you maintenance receipts, there is a better chance it is not a stolen vehicle, explains Valdes. Check to see whether the VIN, make and model on the receipts correspond to the vehicle. Compare the maintenance records with the history of your vehicle report to see if they match. "A car is often the second most expensive purchase for a consumer," says Valdes. "I always thought of my car as if I'd sell it someday and that means taking good care of your vehicle and having regular oil changes." In addition, inquire to see if you can see the previous bill of sale from the time that the seller purchased the vehicle. It's not a bad idea to ask the contact information of the seller as well as the price they initially purchased the vehicle for. A legitimate seller shouldn't hesitate to give you the information you need. 5. Request your insurance company for an inspection Find out if your insurance company it's willing to inspect cars for safety, and any signs of fraudulent activity. It is still recommended to conduct the necessary due diligence, but your insurance company might be able find additional evidence to prove that the car is legal board. Furthermore, certain states or insurance companies may need to inspect your car before you . This is usually required prior to when the insurance company is able to approve your auto insurance policy. It is only required if you are buying specific types of insurance, such as . 6. Take your time if the price seems too good to be true, or the seller is too eager to sell you the vehicle and is encouraging you to skip , trust your instincts. Between other sellers as well as used vehicle dealerships, there are plenty of legitimate options out there. You might notice a difference in what the dealer informs you about the car and what you learn through your study. It's not always a red flag. There are many car owners who keep meticulous records, and if the vehicle was purchased and sold numerous times, there may be some missing information. But if you spot discrepancies without a reason, walk away. What to do if the vehicle you're purchasing is stolen? If you discover that the vehicle you're purchasing is stolen, make an investigation with the police. You must provide your purchase bill along with any other pertinent documents and information. Unfortunately, if the car you purchased was stolen or is a "cloned car," it was never really yours. That means that you're not the legitimate owner of the car and the vehicle will be taken away and given 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. Any will be a loss. If you're not buying the car yet, just walk away without looking back, suggests Valdes. Once you're sure to do this, file the police report. The key point is that as thieves become more sophisticated and more sophisticated, be aware of potential threats and investigate the vehicle thoroughly, says Valdes. This includes doing a search of the VIN, ordering a vehicle history report, and asking for additional documents and details to determine any signs of theft. "Don't be afraid to take every precaution in this hot used automobile market," says Valdes.


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Written by Business and personal finance Contributor

Kellye Guinan is a freelance editor and writer with over 5 years experience working in the field of personal finance. She is also a full-time employee at the library in her town where she helps her community access information about financial literacy, among other subjects.



Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since the end of 2022. He values transparent reporting that allows readers to successfully find deals and make the most appropriate choices regarding their finances. He is a specialist in small and auto loans.











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