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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 over five years of experience in personal financial matters. She's also a full-time worker at her local library in which she assists the community gain access to information on financial literacy, as well as other subjects.







Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate from late 2022. He values transparent reporting that allows readers to successfully find deals and make the best choices for their finances. He specializes in auto and small business loans.









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With prices for new cars at record highs, you might be considering purchasing a used vehicle. But be careful that car theft is on the rise and you shouldn't 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 National Insurance Crime Bureau (NICB). There's also the possibility that the car you are trying to purchase is a replica of the vehicle. Car cloning is when a car-thief steals license plates, as well as registration marks from a legal vehicle and puts them on a stolen vehicle of a similar make and model. The thief may also use counterfeit documents to sell you a brand new car. Proceed with caution when buying through a private seller or a dealer. And if something feels strange, you should look elsewhere. There are plenty of used vehicles available for sale. 6 steps to check if the car you're buying is stolen. To be safe from the stress of purchasing a cloned car, follow these six steps. 1. Verify the VIN thoroughly You can check the with government agencies and your state's department of motor vehicles. You can also verify the car's VIN through the National Insurance Crime Bureau'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 car, or even one which isn't yet recovered. "Some vehicles put 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," states Valdes. "Carmakers are trying to make it more difficult for criminals to steal VINs and make fraudulent one." The VIN could also be etched on the dashboard of the car. Be cautious, especially when it comes to numerals and letters that look like each other. Since the VIN is required to be found in several locations, check 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. Companies offering vehicle history reports include or . "These reports aren't too expensive, and they're worth it," says Valdes. Vehicle history reports include information such as Service history, Title information Liens held in the car's accident history and damage Previous owners But even though the report will include the previous owners, 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 well taken care of and not taken away," says Valdes. However, if there are holes in the history or the vehicle isn't up-to the present, it could indicate the car is stolen. 3. Conduct a title search can look up a car's title by using the . If the person trying to sell you the vehicle isn't listed as the owner on the title you'll know that it's a stolen vehicle. Having access to the title of the car can help you identify any contradictions between what the seller is saying versus what's on the title, for instance when the vehicle is an and the mileage was when it was sold last. 4. Request the seller's service records of the vehicle If the seller has the receipts for maintenance you have a better chance that it's not a stolen car according to Valdes. Check to see if the VIN the model, make and year on the receipts matches the car. Compare the maintenance records with the vehicle history report and check if they are in line. "A car is typically the second biggest purchase for consumers," says Valdes. "I always thought of my car as if I would eventually sell it that's why I took good care of the car and having regular oil changes." Also, you should ask whether you are able to see the previous bill of sale from 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 legitimate seller shouldn't hesitate to supply you with the information you need. 5. Request your insurance company for an inspection Ask your insurance company if it is willing to examine a car for safety and for any indications of fraudulent activity. However, you should conduct your own due diligence, but your insurance company might be able find additional details to verify that your vehicle is safe and legal the legal limit. Furthermore, certain states and insurance companies might need to inspect your car prior to you . This usually happens prior to the insurance company has approved the auto insurance policy. And usually, it is only necessary if you're purchasing certain types of coverage like . 6. Take your time if you think the price is too great to be authentic, or the dealer is overly eager to sell the vehicle and is encouraging you to take a break , trust your instincts. In between other sellers as well as used vehicle dealerships there are many trustworthy options to choose from. There may be a difference between what the seller informs you about the car and what you discover through your research. This isn't necessarily a sign of a problem. There are many car owners who keep detailed records. If the vehicle has been bought and sold numerous times, it could have some missing information. If you notice any discrepancies with no reasonable explanation, walk away. What to do if the car you're buying has been stolen? If you learn if the car you're buying is missing, you must file an official police report. You must provide your purchase bill and any pertinent documents and other information. In the unfortunate event that the vehicle you purchased was stolen or is an "cloned car," it was never actually yours. This means you are not the legal owner of the vehicle and the vehicle will be taken away and given to the owner who is rightfully entitled. If a claim for theft was already made to insurers, the vehicle will be returned to the insurance company. Any will be a loss. If you haven't purchased the car yet, walk away from the car and do not look back, suggests Valdes. Then, when it's safe to do so, file a police report. The bottom line As thieves become more sophisticated, stay alert about potential threats and investigate the vehicle thoroughly, advises Valdes. This means doing a Google lookup of the VIN, ordering a vehicle history report and asking for additional information and documents to determine if the car is stolen. "Don't let yourself be swayed from taking every precaution, even in this 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 finances. She also works full-time as a worker at her local library 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 the end of 2022. He believes in the clarity of his reporting, which helps readers confidently land deals and make the most appropriate choices regarding their finances. He specializes in small and auto loans.











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