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.I certify that I, or the firm, company, or corporation I am authorized to represent, am the legal owner within the meaning of California Vehicle Code. This page will provide an overview of California's Repossession Laws and what you should know if you've fallen behind on car 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. California law permits cars to be repossessed after one late or missed loan payment. Cars may be repossessed after missed insurance payments as well. What you need to know about repossession law in California and how to get your repossessed car back. Contact us today for help. The first step is to fill out an FTC Fraud Affidavit, from the Federal Trade Commission website.