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How do they repo a car without keys?
My friend’s car got repoed a few days ago and we were wondering how they took it. How does the repo person get a key to your car?
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Repo people can take your car without the keys by towing it. All they need to do is lift your vehicle onto a truck and drive away.
In fact, the repo process has gotten fairly aggressive in recent years. With new towing equipment, repo people can easily tow your car no matter where it is. It’s been known to happen while owners are in gas stations, eating in restaurants, or even just shopping at the grocery store.
Each state has different regulations on what repo agents can or can’t do, but some states are pretty lax with their restrictions. Repo agents can hotwire your car, take it from your property, or even remove it from a locked garage in some instances. Of course, these are extreme situations that only occur if you hide your vehicle from the proper owner.
As a general rule, it’s best to
keep up with your loan payments
and communicate to your lender if you’re falling behind. This will spare your car from being repossessed and spare your credit score from tanking.If you could use some extra money to stay on top of your car payments, try using
Jerry
. A licensed broker, the Jerry app can find you competitive car insurance quotes for free. The average user saves about $879 a year with Jerry.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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