Can you repo a car in VA for not having insurance?

Answer 1

Yes. All finance contracts have requirements for providing and maintaining Comprehensive and Collision coverage on a vehicle being financed under the contract. If you allow your insurance to cancel without providing replacement coverage, you have violated your contract and the vehicle will be repossessed.

Answer 2

Well, yes - in any finance agreement, there'll typically be a clause stating that the vehicle must remain legal during the lien period. An uninsured car on a public roadway, if the driver is caught, will go to impound.

Answer 3

Yes, If in your purchase contract you agreed to maintain insurance, then failure to do so would create a breach of contract subjecting the vehicle to repossession.