Question: My car repossessed for late payment and I don't have insurance on the car as of now. I have made my payment to release my car.We periodically get inquiries from potential clients asking about their rights after their vehicle get repossessed (repo'd). I was served a civil summons for a past car that was repossessed. What can they legally get from me? Customer: I had a reposession of my vehicle last week in Florida. It took the bank 3 days to give me the reinstatement amount. If you're behind on car payments, learn about voluntary repossession of a car in Florida and whether this option is right for you. It is a violation of the law to allow, encourage or direct any unlicensed person to carry out a repossession for a recovery agency, recovery agent or intern. AGR Recovery Specialists South Florida Repos.