concealed weapons insurance

You are looking for just the right firearm for your everyday carry, or perhaps you're looking for a nice used gun to add to your collection. You also want to find a really good deal. A private sale might be the way to go.

Federal law does not prohibit private sales between individuals who reside in the same state, and the vast majority of states do not require that a private sale be facilitated by a federally licensed gun dealer (“FFL”). However, the more you think about it, what would happen to you if you bought a gun that turned out to be lost or stolen? Even worse, what would happen if you purchased a firearm that had been used in a crime?

Unfortunately, these things can happen. Further, there is no practical way for you to ensure a gun you purchase from a stranger is not lost or stolen.

How Can You find Out if a Gun is Stolen?

Search the FBI Lost and Stolen Gun Serial Number Database

When a firearm is lost or stolen, the owner should immediately report it to the police. In fact, if a gun is lost or stolen from an FFL, the law requires the FFL to report the missing firearm to the Bureau of Alcohol, Tobacco, Firearms & Explosives (“ATF”). These reported firearms are entered into a gun database maintained by the FBI’s National Crime Information Center (“NCIC”).

Unfortunately for purchasers in private sales, only law enforcement agencies are allowed to request a gun serial number check or search of the lost and stolen gun database.

Guns Serial Number Check

While there have been attempts at creating private searchable internet databases where individuals self-report their lost or stolen guns, these usually contain only a fraction of the number of actual stolen guns, and the information is not verifiable.

Some states are exploring or attempting to build a state database of lost or stolen firearms that is searchable by the public, online. For example, the Florida Crime Information Center maintains a website where an individual can search by serial number for many stolen or lost items, including cars, boats, personal property, and of course, firearms.

However, even this website warns:

“FDLE cannot represent that this information is current, active, or complete. You should verify that a stolen property report is active with your local law enforcement agency or with the reporting agency.”

Police Checks of Firearms (Stolen Gun Database)

Having the local police check the federal database continues to be the most accurate way to look up gun history by serial number to ascertain whether or not a used firearm is lost or stolen. However, many police departments do not offer this service. And be forewarned: if the gun does come back as lost or stolen, the person who brought it to the police will not be getting it back. The true owner always has the right to have his or her stolen gun returned.

If you choose to purchase a firearm in a private sale, you should protect yourself. A bill of sale is the best way to accomplish this. If it turns out the firearm was stolen or previously used in a crime, you will need to demonstrate to the police when you came into possession of the firearm, and from whom you made the purchase. You do not want to be answering uncomfortable police questions without the documentation to back you up.

On the flip side, if you are the one who happens to be the victim of gun theft, be sure to report it after speaking with a law firm. Because while it may take several years, you never know when a police department may be calling you to return your gun.

Further reading: What is CCW Insurance, And Why Do I Need Coverage?

Your Protection Starts Here!

BECOME A MEMBER
BECOME A MEMBER

The information provided in this publication is intended to provide general information to individuals and is not legal advice. The information included in this publication may not be quoted or referred to in any other publication without the prior written consent of U.S. LawShield, to be given or withheld at our discretion. The information is not a substitute for, and does not replace the advice or representation of a licensed attorney. We strive to ensure the information included in this publication is accurate and current, however, no claim is made to the accuracy of the information and we are not responsible for any consequences that may result from the use of information in this publication. The use of this publication does not create an attorney-client relationship between U.S. LawShield, any independent program attorney, and any individual.