Checking the car
Used Car Service & Accident History Check
Service records from the brand network, insurance claim history, and physical signs of accidents or flood.
Updated 30 September 2026 · 8 lenders trackedLowest used car loan rate
9.45%
PNB Used Car LoanWhat you need to know
A clean-looking car can hide a major accident, flood damage or a rolled-back odometer. Cross-check what the seller says with service records, insurance claims and a physical inspection.
Where to check
| What | How |
|---|---|
| Service history | Brand’s authorised service network — records against registration number or VIN; many brands show it in their app or at any dealer |
| Accident / claim history | Past insurance policies and claim records from the seller; ask the insurer |
| Odometer | Compare readings in service records and PUC certificates with the dashboard |
| Flood damage | Inspection: silt, rust under seats, corroded wiring, musty smell |
| Legal status | Vahan (hypothecation, blacklist) and e-challan portal |
Red flags
- Gaps of years in service records
- Reading lower than an older service entry
- Several own-damage claims or a total-loss claim
- Fresh paint on pillars or roof
- Seller unwilling to share policies or allow an inspection
Frequently asked questions
Is an accident-repaired car always a bad buy?
Not always — minor panel repairs are common. Structural damage, airbag deployment or flood damage are reasons to walk away.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.