Back in July of this year, the National Insurance Crime Bureau created a free web-based service to offer theft and total loss data to consumers. While the database is a good start, many insurance companies are furnishing only limited information.

Valuable Vehicle Information

Here at Auto Credit Express, we’ve checked out the new web site provided by the NCIB that allows consumers to check up to five vehicles per day – one VIN at a time – for severe accident or flood damage as well as theft. According to Ivette Rivera, executive director of legislative affairs for NADA, “This is a step in the right direction, but because the information is limited, we still need federal legislation that would expand total-loss disclosure. We would like all insurers and rental car companies to leverage existing technology, such as vehicle history reports, to keep dangerous, rebuilt cars and trucks off the road to truly protect consumers.”

Better news for consumers and dealers

Imagine a nationwide database available to consumers and dealers that can identify title-washed vehicles from across the U.S. – that’s the goal of the NADA as well as consumer’s groups such as Consumers Union, Public Citizen and Consumers for Auto Reliability and Safety (CARS). It was also the goal of a law passed in 1992 that called for the national database. Congress shifted responsibility for implementation to the Department of Justice in 1992, but even the DOJ has failed to make any headway.

So in February of this year, three consumer groups filed a lawsuit to order the Justice Department to move forward by creating the National Motor Vehicle Title Information System (NMVTIS).

According to a recent article in Automotive News, the DOJ will soon unveil proposed rules that will require insurers, as well as the auto salvage industry, to identify severely damaged vehicles.

What to do until then

The web site www.nicb.org is where VINCheck is located. As previously stated, each consumer is entitled to check five vehicles for free each day. If your insurance company fully supports this service by supplying theft and total loss data, let them know you appreciate their efforts. Here is a list of those companies:

AAA Mid-Atlantic Insurance Group
AIG Marketing, Inc.
Allstate Insurance Group
American European Group
Ameriprise Auto & Home Insurance
Amica Mutual Group
Arbella Insurance Group
Atlantic Casualty Insurance Company
Automobile Club of Michigan
AutoOne Insurance
California State Auto Group
Cincinnati Financial Corporation
Civil Service Employees Group
Commerce Group, Inc.
COUNTRY Insurance & Financial Services
CUNA Mutual Group
Direct General Group
Direct Response Group
Erie Insurance Group
Everest Re Group
FBL Financial Group, Inc.
Federated Mutual Group
GMAC Insurance Group
Government Employees Insurance Company
Grange Mutual Casualty Group
Great American Property and Casualty Insurance Group
Hartford Insurance Group, The
Horace Mann Insurance Group
ICW Group
Infinity Property and Casualty Corporation
Interinsurance Exchange of the Automobile Club
Interstate Bankers Casualty Company
Kentucky Farm Bureau Group
Lebanon Mutual Insurance Company
Liberty Mutual Insurance Companies
Lincoln General Insurance Company
Mercury General Group
MetLife Auto & Home Group
Michigan Farm Bureau Group
Millers First Insurance Companies
Motorists Insurance Group, The
Nationwide Group
New Jersey Skylands Insurance Association
NOVA Casualty Company     OneBeacon Insurance Group
Paramount Insurance Company – MD
Permanent General Assurance Corporation
PMA Capital Corporation
Progressive Insurance Group
Quincy Mutual Insurance Group
Republic Group, The
Safe Auto Insurance Company
Safeco Insurance Companies
Sentry Insurance Group
State Farm Group
Texas Farm Bureau Group
Travelers Cos, Inc.
United Automobile Insurance Group
Unitrin, Inc. (Specialty Lines Insurance)
Unitrin, Inc. (Unitrin Direct)
USAA Group
Virginia Farm Bureau Federation
Wawanesa Insurance Group
Westfield Group
Workmen's Insurance Group
Zurich North America

Companies that partially support VINCheck

The following insurance companies only supply total loss data. If your company is on the list, you should contact them and ask why they cannot supply theft data. Here is the list:

**1st Auto & Casualty Insurance Company
**Alliance Insurance Companies
**American Century Casualty Company
**American Country Insurance Company
**American National P&C Group
**American Service Insurance Company, Inc.
**Assurant Group
**Baldwin & Lyons Group
**Caterpillar Insurance Company
**Central Services Group
**CNA Insurance Companies
**Constitutional Casualty Company
**EMC Insurance Companies
**Esurance
**Farmers Insurance Exchange
**Fidelity National Group
**Gateway Insurance Company
**General Agents Group
**GeoVera Insurance Company
**Global Liberty Insurance Company of New York
**Greater New York Group
**GuideOne Insurance
**Imperial Management Group
**Interboro Mutual Indemnity Insurance Company
**Magna Carta Companies
**National Atlantic Companies
**Nations Insurance
**Nevada General Insurance Company
**New Jersey Citizens United Reciprocal Exchange
**NLC Insurance Companies
**North Carolina Farm Bureau Insurance Group
**Pennsylvania Lumbermens Mutual Insurance Company
**Preferred Mutual Group
**Rider Insurance Company
**Safety Group, The
**Seminole Casualty Insurance Company
**Sequoia Insurance Company
**Sompo Japan Insurance, Inc.
**Southern Pioneer Insurance Companies
**Southern United Fire Insurance Company
**Springfield Insurance Company
**Sutter Insurance Company
**Swiss Re Group
**Tokio Marine & Nichido Fire USB Group
**Young America Insurance Company

The following companies only supply theft data:

*American General Holdings, Inc.
*American Modern Insurance Group
*American Road Insurance Group
*Auto Club Insurance Company of Florida
*Auto Club South Insurance Company
*Balboa Insurance Group
*California Casualty Group
*Centennial Casualty Company
*Chubb Group of Insurance Companies
*Concord Group Insurance Companies
*Consumers Insurance USA, Inc.
*DaimlerChrysler Financial Services Americas LLC
*Dollar Thrifty Automotive Group, Inc.
*Donegal Group
*Founders Insurance Company
*Fred Loya Insurance Company
*IMT Insurance Companies
*Markel Corporation Group
*Merchants Insurance Group
*Michigan Millers Mutual Insurance Company
*New Jersey Manufacturers Group
*Norfolk and Dedham Group
*Plymouth Rock Companies
*Safeway Insurance Group
*US Agencies Group

The Bottom Line

At Auto Credit Express, we believe that , as dealers, you can only grow your business as long as you provide your customers with the best sales and service experience possible. Buying a car with a washed title hurts your dealership and selling a vehicle with a washed title to a customer also damages your reputation. Having a national database that is complete and accurate can only help your business.

We encourage you to support this initiative and to call your insurance company of you don’t see their name on the list of companies that supplies all the necessary information to NICB.