Can they repossess the vehicle if owner is sitting in it?

The answer to this question depends on the specific laws of the jurisdiction in question. In many jurisdictions, repossession of a vehicle is generally permitted if the owner has defaulted on a loan agreement. However, there may be limitations or restrictions on when and how repossession can take place.

For example, some jurisdictions have laws that prohibit repossession of a vehicle if the owner is present or if it would cause a breach of the peace. Additionally, some jurisdictions require the creditor to give the owner advance notice of the repossession, and they may also be required to provide an opportunity for the owner to redeem (buy back) the vehicle before it is sold or auctioned off.

If you are at risk of having your vehicle repossessed, it is important to consult with an attorney to understand your rights and options under the law. An attorney can also help you negotiate with your lender to try to prevent or delay the repossession.

Here are some general tips to avoid having your vehicle repossessed:

- Make your loan payments on time and in full.

- If you are having difficulty making your payments, contact your lender immediately to discuss options for modifying or restructuring your loan.

- Keep your vehicle in good condition and make any necessary repairs promptly.

- Make sure that you have comprehensive insurance coverage on your vehicle.

- If you receive a notice of repossession, take immediate action to contact your lender and discuss your options.