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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 smarter financial decisions by offering interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct research and compare data for free - so that you can make financial decisions with confidence. 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 that compensate us. This compensation may impact how and where products are displayed on this site, including for instance, the order in which they appear within the listing categories and other categories, unless prohibited by law. Our mortgage, home equity and other home loan products. However, this compensation will not influence the content we publish or the reviews that you see on this site. We do not cover the universe of companies or financial offers that may be open to you.



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4 min read Published 11 October 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 finance. She also works full-time as a librarian at the local library where she helps her community gain access to information on financial literacy, as well as other subjects.







Editor: Helen Wilbers Edited by

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









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With the cost of new cars hitting new highs, you may be considering buying a used car. But be careful because car theft is spiking and you shouldn't to purchase a stolen ride. In 2021 932,329 cars were reported as stolen, which is up 10.9 percent from the year before According to the National Insurance Crime Bureau (NICB). There is also a chance that the car you are looking to buy is a replica of the vehicle. Car cloning occurs when a car-thief steals the license plate and registration marks from a legal vehicle and then puts them on a stolen vehicle that is similar in make and model. The criminal may also use counterfeit documents to sell you a brand new car. Proceed with caution when buying through a private seller or a dealer. If you feel something is odd, consider a different source. There are plenty of used vehicles available for sale. 6 steps to find out whether the car you're considering buying is stolen To avoid the headache of purchasing a fake car, make sure you take these steps. 1. Check the VIN thoroughly You can check the with government agencies and the department of motor vehicle. You can also look up a vehicle's VIN by using 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 of a lost car, including a vehicle that is not yet recovered. "Some vehicles have the VIN in the driver's front entrance or the glass, and some owners can have the VIN printed on the windows or even inside the engine," Valdes says. Valdes. "Carmakers want to make it harder for thieves to steal VINs and create fake one." The VIN could also be etched onto the dashboard of the vehicle. Be cautious, especially when it comes to numerals and letters that look like each other. Since the VIN must be located in multiple places, examine each to see if they match. If they don't, they may have been altered. 2. Buy a report on the history of your vehicle. Get a history report for your car with the VIN as suggested by Valdes. Businesses that provide report on the history of a vehicle include . "These aren't expensive, and they're worth it," says Valdes. Reports on the history of a vehicle include things such as Service history, title information Liens on the car Accident history and damage Previous owners although the report will show the names of the prior owners of the vehicle, it doesn't list the names of the owners. "If the history is correct to the present and it's in good condition, then it's in good hands and not taken away," says Valdes. However, if there's gaps in the history or it's not up to date, that could indicate that the car has been taken. 3. Perform a title search can look up a car's title using the . If the person trying to sell you the vehicle doesn't match the name in the document, you'll be able to tell that the car is stolen. The title of the car can help you identify any contradictions between what the seller has to say against what's written on the title. For instance, if the car is one and what the mileage was at the time it was last sold. 4. Request the seller's service records of the vehicle If the seller can show the receipts for maintenance There is a greater chance it is not a stolen car as explained by Valdes. Examine the receipts to determine if the VIN the make, model and year on the receipts matches the vehicle. Check the maintenance records against the car's history report and see if they match. "A car is typically a consumer's second largest purchase," says Valdes. "I always thought of my car as if I would sell it someday and that means taking good care of the car and getting regular oil changes." Also, you should ask whether you are able to get the previous 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. A legitimate seller shouldn't hesitate to give you this information. 5. Request your insurance company to conduct an inspection. Find out if your insurance company it is willing to examine a car for safety and any signs of fraud. However, you should conduct yourself due due diligence, but your insurance company may be able to provide additional information to confirm that the vehicle is above board. Additionally, certain states or insurance companies may need to inspect your vehicle prior to you . This typically happens before the insurance company has approved the auto insurance policy. And usually, it is only needed if you're purchasing certain types of coverage, such as . 6. Trust your gut If the price is too good to be real, or the seller is too eager to sell the car and is urging you to skip , trust your instincts. There are many sellers, as well as used vehicle dealerships there are many genuine options available. There may be a difference between what the seller is telling you about the vehicle and what you find out during your investigation. This isn't always a warning sign. Some car owners don't keep precise records. And if the vehicle was purchased and sold numerous times, it could have certain information that is not there. But if you spot discrepancies without a reason then walk away. What do you do if you find that the car you're buying has been stolen If you find out whether the vehicle you're purchasing is missing, you must file a police report. You must provide your purchase bill as well as any relevant documents and information. Unfortunately, if the car you purchased was stolen or is a "cloned vehicle," it was never truly yours. This means you are not the legal owner of the vehicle and the vehicle is taken away and given to the owner who is rightfully entitled. If a claim for theft has been made an insurance firm, the car is returned to the insurance company. Any will be a loss. If you haven't purchased the vehicle yet, simply walk away from the car and do not look at it, suggests Valdes. Once it's safe to do so, file an official police report. The key point is that as thieves are getting craftier Be aware of possible threats and investigate the vehicle thoroughly, advises Valdes. This includes doing a search on the VIN and requesting a vehicle history report, and asking for additional documents and information to help you spot any signs of theft. "Don't be afraid to take every precaution, even in this white-hot used car market," says Valdes.


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Written by a Personal and Business finance Contributor

Kellye Guinan is a freelance editor and writer who has more than five years of experience in personal finance. She's also a full-time employee at the library in her town where she helps her 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 the end of 2022. He values the clarity of his reporting, which helps readers easily land deals and make the most appropriate choices regarding their finances. He is a specialist in small business and auto loans.











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