It is possible for your car to get repossessed while it's being serviced at a dealership. However, under most circumstances, this situation would not be legal. For example, if your car is with the dealership for repairs, the dealership likely has a lien on the car. This lien acts as a temporary hold, preventing anyone, including the lender, from repossessing the car until the lien is satisfied. Similarly, if your car is at the dealership for scheduled maintenance, the same principle would generally apply. Unless the terms of your loan agreement stipulate otherwise or there is a specific court order authorizing repossession under these conditions, the lender's right to repossession is usually suspended while the car is in the dealership's possession.
To ensure your rights and avoid potential disputes, it's advisable to have a clear understanding of the terms outlined in your loan agreement. Communicate with both the dealership and your lender if there are any concerns about potential repossession or if your loan payments are delayed for any reason. Proactive communication can often prevent misunderstandings and mitigate any risks to your vehicle.
