Protect Your Purchase - Avoid the Pain of Buying a Stolen Car

1. Thorough VIN Check

The Vehicle Identification Number (VIN) serves as a unique identifier for each vehicle. It can be checked with government agencies and the state's department of motor vehicles. Additionally, the NICB's VIN Check is a free service that can reveal any insurance records related to stolen cars, including those that are still missing. Some vehicles have the VIN inside the front driver door or on the windshield, while others have it etched on the window or inside the engine. It is essential to be thorough and examine each VIN location to ensure they match. Any discrepancies may indicate tampering.

For example, imagine a potential car buyer who overlooked checking the VIN thoroughly. They thought everything was in order until they noticed a slight difference in the VIN numbers on different parts of the vehicle. This led to a delay in the purchase process as they had to investigate further and ensure the vehicle's authenticity.

2. Obtain a Vehicle History Report

Purchasing a vehicle history report using the VIN is highly recommended. Companies like AutoCheck and Carfax offer these reports, which provide valuable information such as the number of previous owners. While the report may not list the owners' names, it can give an indication of the car's history. If the history is up to date and shows proper care, it is likely that the car is not stolen. However, gaps in the history or an outdated report could be red flags.

Let's consider a case where a buyer ordered a vehicle history report and found that there were significant gaps in the maintenance records. This raised suspicions, and further investigation revealed that the car had been involved in a theft and had been tampered with. By obtaining this report, the buyer was able to avoid a costly mistake.

3. Conduct a Title Search

A title search through the National Motor Vehicle Title Information System can help detect if the person selling the car is the rightful owner. If there is a mismatch between the seller and the title holder, it is a clear sign that the car may be stolen. This search allows buyers to compare the information on the title with what the seller is claiming, such as the car's salvage status and mileage at the time of previous sale.

For instance, a buyer who performed a title search discovered that the seller was not the listed owner. This led to a thorough investigation, and it was revealed that the car was indeed stolen. By being diligent in this step, the buyer was able to avoid purchasing a stolen vehicle and saved themselves from potential legal and financial troubles.

4. Request Service Records

If the seller can provide service records, it increases the likelihood that the car is not stolen. Checking the VIN, make, and model on the receipts and comparing them with the vehicle can help verify its authenticity. Additionally, asking to see the previous bill of sale and the seller's contact information can provide further insights. A legitimate seller should have no hesitation in providing this information.

Suppose a buyer requested service records and noticed that the maintenance history did not match the vehicle's age and mileage. This raised doubts, and further inquiries led to the discovery that the car was stolen and the seller was involved in a fraudulent scheme. By being cautious and requesting these records, the buyer was able to protect themselves.

5. Insurance Company Inspection

It is advisable to ask your auto insurance company to inspect a car for safety and any signs of fraudulent activity. While you should still conduct your own due diligence, the insurance company may be able to provide additional information to confirm the vehicle's legitimacy.

For example, an insurance company inspection revealed hidden damage on a car that the seller had tried to cover up. This discovery allowed the buyer to back out of the purchase and avoid a potential disaster. The insurance company's expertise in assessing vehicles helped prevent a costly mistake.

6. Trust Your Instincts

If the price seems too good to be true or the seller is overly eager to close the deal and skip steps in the car-buying process, it is important to trust your instincts. There are many legitimate options available, and if something feels off, it probably is.

Imagine a buyer who had a gut feeling that something was wrong with the car. Despite the seller's insistence, they decided to walk away. Later, it was discovered that the car was stolen, and the buyer had avoided a major financial loss. Trusting one's instincts can save a lot of trouble in the long run.

As thieves become more cunning, it is essential to stay alert and research thoroughly. By following these steps and being vigilant, potential car buyers can protect themselves from the heartache of purchasing a stolen vehicle.