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4 min read. Published 11 October 2022
Written by Kellye Guinan Written by Personal and Business Finance Contributor

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







Editor: 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 successfully land deals and make the most appropriate choices regarding their finances. He specializes in small and auto loans.









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With the cost of new cars hitting record highs, you might be looking into purchasing a used vehicle. But be careful that car theft is spiking and you don't want to buy a car that was stolen. In 2021 932,329 cars were reported as stolen, which is up 10.9 percent from the year before According to the (NICB). There is also a chance that the car you're looking to buy is a cloned vehicle. Car cloning occurs when a car thief takes the license plate, and registration marks from a legal vehicle and puts the same on a stolen vehicle with a similar model and model. The thief also might use counterfeit documents to sell you a car that is hot. Be careful when purchasing through a private seller or a dealer. If you feel something is off, look elsewhere. There are plenty of second hand automobiles available. Six steps to determine whether the car you're considering buying is stolen To avoid the hassle of buying a fake car, make sure you follow these six steps. 1. Check the VIN thoroughly. You can verify the VIN with the government agencies as well as the department of motor vehicles. You can also verify a vehicle's VIN by using the National Insurance Crime Bureau's VIN Check, which is recommended by Renee Valdes, senior advice editor at Kelley Blue Book. This free service will tell you if there are any insurance documents of a lost vehicle, which includes one that has not yet been recovered. "Some vehicles place the VIN in the driver's front door or on the windshield and some owners may have the VIN written on the window or inside the engine," says Valdes. "Carmakers want to make it difficult for criminals to steal VINs or create fraudulent one." It is possible that the VIN may also be stamped onto the dashboard of the vehicle. Be careful, particularly with numerals and letters that look identical. Since the VIN should be in multiple locations, check each to ensure that they are in line. If not it could be because they were altered. 2. Buy a car history report Get a history report for your car using the VIN and suggests Valdes. The companies that offer vehicle history reports include or . "These reports aren't too expensive, and they're worth it," says Valdes. The reports on vehicle history include details like: Service history Information on the title Liens that are held on the vehicle's history of accident and damage Previous owners But although the report will show the number of prior owners of the vehicle, it doesn't include the names of the owners. "If the history is complete to date and it's in good condition, then it's been well-maintained and isn't stolen," says Valdes. If there are holes in the history or the car isn't up to the present, it could indicate that the car is stolen. 3. Conduct a title search can search for a vehicle's title through the . If the person trying to sell the car isn't the person listed in the document, then you'll know it's a stolen car. Having access to the title of the car can help you detect any discrepancies in what the seller is telling you in relation to the information on the title, for instance when the vehicle is an and the mileage was when it was sold last. 4. Ask the seller for the vehicle's service records If the seller can show you maintenance receipts, there is a better likelihood that it's not a stolen vehicle according to Valdes. Verify if the VIN the model, make and year on the receipts match the car. Check the maintenance records against the history of your vehicle report to see if they match. "A car is typically a consumer's second largest purchase," says Valdes. "I always thought of my vehicle as if I'd sell it someday, which means taking good care of the car and ensuring regular oil change." Additionally, ask whether you are able to see the previous bill of sale from when the seller first purchased the vehicle. It can't hurt to request the seller's contact information and what they originally purchased the car for. An honest seller should not hesitate to give you this information. 5. Contact your insurance provider to conduct an inspection. Find out if your insurance company it's willing to inspect a car for safety and any signs of fraud. However, you should conduct the necessary due diligence, but your insurance company might be able to provide additional evidence to prove that the vehicle is above all requirements. Additionally, certain states and insurance companies could need to inspect your car prior to you . This is usually required prior to when the insurance company is able to approve your auto insurance policy. In most cases, it's only required if you are buying specific types of insurance for example . 6. Trust your gut If the price is too good to be true, or the seller is too keen to sell you the car and wants you to skip and go elsewhere, follow your gut. In between other sellers and used car 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 discover through your investigation. That's not always a red flag. There are many car owners who keep meticulous records, and if the car has been purchased and sold several times, it could have certain information that is not there. However, if you find any irregularities with no reasonable explanation take a step back. What do you do if you find that the car you're buying has been stolen? If you learn that the vehicle you're purchasing is stolen, make an official police report. You must provide your purchase bill along with any other pertinent documents and other information. Unfortunately, if the car you bought was stolen, or is a "cloned car," it was never actually yours. This means that you're not the legitimate owner of the car, and it will be confiscated and returned to the rightful owner. If a theft claim has already been issued to the insurance company, then the car will be returned to the insurance company. Any will be a loss. If you haven't bought the vehicle yet, simply walk away and don't look back, advises Valdes. When you're sure to do this, file an official police report. The bottom line As thieves become more sophisticated Be aware of possible dangers and research the car thoroughly, says Valdes. This means doing a Google search of the VIN and requesting a vehicle history report and asking for additional documents and details to determine any signs of theft. "Don't back down from taking every precaution, especially in the booming used automobile marketplace," 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's also a full-time worker at her local library which she assists her local community to 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 is a fan of the clarity of his reporting, which helps readers confidently land deals and make the best choices for their finances. He is a specialist in small business and auto loans.











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