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. Items purchased with a credit card cannot be repossessed, even if you are late or delinquent with payments. 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. As soon as you miss a car payment, the lender can arrange to have your car repossessed—the lender doesn't need to get your permission or to tell you in advance. Vehicle repossession is a legal process that allows lenders to reclaim a vehicle when the borrower defaults on loan payments. Contact our car repossession attorneys in Los Angeles at (213) 344-0043 to schedule your appointment.