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Presuming there is no agreement between that specifies something like this, you probably have no grounds of any type to get possession. Certainly not repo. I'm not sure there is any type of default at all for you to act on in any case. The lender requires that there be insurance - he may have a cause of action like repo - (although he'll probably just buy it for you, which he is allowed to do and charge it against the loan). Moreover, as I understand it, you say you co own and coborrowed the vehicle - as if you both have equal everything. I gather you have insurance for yourself and on the vehicle and correctly identified all drivers having access to the car, as required by the application for the policy? So why wouldn't that insurance also cover any driver of the car?

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Q: If you are the borrower and the co-borrower has the car and is not carrying insurance can you repossess the car?
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