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4 min read. Published October 11, 2022
Authored by 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 financial matters. She also works full-time as a librarian at the local library which she assists her local community to gain access to information on 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 is a fan of the clarity of his reporting, which helps readers confidently land 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 the record-setting levels, you may be thinking about 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 vehicles were reported as stolen, which is up 10.9 percent over 2020, according to the (NICB). There's also a chance that the car you are looking to buy is a cloned vehicle. Car cloning occurs when a car thief takes the license plate, and registration stickers from a legal vehicle and then puts them on a stolen vehicle of a similar make and model. The thief also might utilize fake documents to offer you a brand new car. Proceed with caution when buying from a private seller or from a dealer. If you feel something is strange, you should look elsewhere. There are plenty 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, adhere to these steps. 1. Check the VIN thoroughly. You can verify the VIN with the government agencies as well as your state's department of motor vehicle. You can also look up a vehicle's VIN via the NICB's VIN Check, recommends 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 which isn't yet recovered. "Some vehicles put the VIN inside the front driver doors or even on their windshields, and some owners might have the VIN written on the window or even inside the engine," says Valdes. "Carmakers would like to make it more difficult for thieves to steal VINs and make fake one." The VIN can also be stamped into the vehicle's dashboard. Be cautious, especially when it comes to numbers and letters that appear similar. Since the VIN must be located in multiple places, examine each to see if they match. If not, they may have been tampered with. 2. Purchase a vehicle history report Get a history report for your car by using the VIN as suggested by Valdes. Businesses that provide vehicle history reports include or . "These reports aren't too expensive and are well worth the investment," says Valdes. Vehicle history reports include information such as Service history, Information on the title Liens that are held in the car's accident history and damage Previous owners But while the report will list the number of previous owners, it will not provide the names of owners. "If your history goes complete to date 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 the current date, it could be a sign that the car is stolen. 3. Conduct a title search can search for a vehicle's title by using the . If the person trying to sell the car isn't listed on the title, then you'll know that it's a stolen vehicle. Having access to the car's title can help you determine any differences between what the seller has to say against what's written on the title, like in the case of one and what the mileage was at the time it was sold last. 4. Ask the seller for the car's service history If the seller is able to show you receipts for maintenance There is a greater chance it is not a stolen car according to Valdes. Check to see if the VIN the model, make and year on the receipts correspond to the car. Check the maintenance records against the vehicle history report and determine if they're in alignment. "A car is often the second biggest purchase for consumers," says Valdes. "I always thought of my vehicle as if I'd sell it someday that's why I took proper care of it and having regular oil changes." Additionally, ask whether you can see the previous bill of sale from when the seller bought the car. It's not a bad idea to ask the contact information of the seller as well as how much they originally bought the car for. A trustworthy seller will be able to give you this information. 5. Request your insurance company to conduct an inspection. Ask your insurance company if they're willing to check the vehicle for safety and for any indications of fraud. You should still do yourself due due diligence, but your insurance company might be able to provide additional evidence to prove that the vehicle is above all requirements. In addition, some states or insurance companies may require an inspection of your vehicle prior to you . This typically happens before the insurance company is able to approve your insurance policy for autos. In most cases, it's only needed if you're buying specific types of insurance for example . 6. Trust your gut If you think the price is too great to be true, or the seller is overly eager to sell you the vehicle and is encouraging you to pass the deal, go with your gut. Between other sellers or used auto dealerships, there are many legitimate options out there. You might notice a difference from what the vendor informs you about the vehicle and what you discover through your study. That's not always a warning sign. There are many car owners who keep precise records. And if the car has been purchased and sold numerous times, it could have certain information that is not there. If you notice any discrepancies that aren't explained, walk away. What should you do if the car you're buying 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 and any pertinent documents and other information. Unfortunately, if the car you bought was stolen, or is an "cloned car," it was never actually yours. That means that you're not the legitimate owner of the car and it will be taken away and given to the rightful owner. If a theft claim was already made to an insurance firm, the car will be returned to the insurance company. If it is not, it will be considered a loss. If you're not buying the vehicle yet, simply walk away and don't look back, suggests Valdes. When you're sure to do this, file a police report. The most important thing to remember is that thieves become more sophisticated Be aware of possible risks and study the car thoroughly, advises Valdes. This means doing a Google lookup of the VIN, ordering 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, especially in the booming used automobile marketplace," says Valdes.


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Written by a Personal and Business finance Contributor

Kellye Guinan is a freelance editor and writer with more than 5 years experience working in the field of personal financial matters. She is also a full-time librarian at the local library in which she assists the community gain access to information on financial literacy, as well as other topics.



Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He values the clarity of his reporting, which helps readers easily land deals and make the best choices for their finances. He is a specialist in small and auto loans.











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