Ohio's auto repossession law says that the vehicle lender or secured party can repossess your vehicle if you are just one day late with your payment. Learn more about Ohio's repossession laws, what Ohio repo agents can and cannot do, and what happens after the car is taken away.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. To apply in person, you will need to visit any Ohio County Clerk of Courts Title Office with your valid photo ID and payment of title fees. All other states must have a repo title in the client's name. For instance, a lender might have the right to repossess a financed car if the borrower doesn't maintain auto insurance. No, the insurance company cannot repossess the vehicle. Only companies that have a lien, or legal claim, on the value of that car, can repossess it. Consumers who fail to make timely car payments or maintain insurance on their financed vehicles may face repossession. You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit.