If you get behind on your car payments or don't have auto insurance, the loan company can take your car. This is called vehicle repossession.This page will provide an overview of California's Repossession Laws and what you should know if you've fallen behind on car payments. California law permits cars to be repossessed after one late or missed loan payment. Cars may be repossessed after missed insurance payments as well. You have a right to request proof that the individual carrying out the repossession is currently licensed as a repossession agency, qualified manager, or agent. Our consumer protection lawyer in Los Angeles answer the most common questions. If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first. In California, the lender (or an employee of the repossession agency) can take a vehicle from any publicly accessible place. Explore California's repossession laws and learn how to protect your rights when it comes to vehicle repossession in California.