[MultiMopars]

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If for example the owner had collision coverage only, and was not covered for theft, the car would go back to him.

Motor vehicle departments dont have access to NICB but Customs does because part of their job is to specifically determine if the cars going out in containers are stolen or not.

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Well, that sounds like a HUGH GAPPING HOLE on the part of NICB. Typically a seasoned auto thief would be switching V.I.N.s to hide the identity of a stolen car, however most thieves are not real smart and may think that after a certain period of time it is safe to sell a whole stolen car with it's original V.I.N. If there is no red flag in the system checking for stolen cars is just crazy.