Phone: 630-495-2282 Fax: 630-495-2260 Map/Directions

Illinois refines flood car policies

January 15, 2016
In the wake of recent heavy rain and subsequent flooding, dealers are advised to check all vehicles that they take as trade-ins against the National Insurance Crime Bureau database. 
But while nearly one-quarter of Illinois counties, mostly in central and southern Illinois, have been issued disaster declarations by the state, the Secretary of State ‘s office has agreed to limit its flood disclosure protocol to vehicles that were located in federally declared disaster areas; Natural Disaster Disclosure Statements will no longer be required for vehicles that were located in Illinois flood counties. .
The NICB’s VINCheck is a free service provided to the public to assist in determining if a vehicle has been reported as stolen, but not recovered, or if it has been reported as a salvage vehicle by cooperating NICB member insurance companies. 
To perform a search, a vehicle identification number (VIN) is required. A maximum of five searches can be conducted within a 24-hour period per IP address.
Vehicles which appear on the NICB database as known flood damaged vehicles must bear a "Flood" designation on the title. Important, vehicles which do not appear on the database but which were registered in a county that was declared a federal or state disaster area as a result of flooding also will receive a flood title designation unless accompanying paperwork includes a signed and notarized natural disaster disclosure statement. 
The statement must be signed by the previous owner, who declares that the vehicle was not in a natural disaster area at the time of flooding or was not damaged by water.  
Current federally declared disaster areas include ZIP codes in Texas, Oklahoma, South Carolina, Mississippi and Missouri.