A repo man (short for “repossession agent”) can repossess your car without having the keys through various methods.
The most common approach is towing the vehicle onto a flatbed truck or using specialized equipment to hoist and tow it away.
Here are some other common techniques they use:
| Method | Description |
|---|---|
| Towing | The most common method is to simply tow the car onto a flatbed truck. All they need is access to the vehicle, not the keys. |
| Hotwiring | In some cases, repo agents may hotwire the car to start it and drive it away. This is generally legal as long as they don’t damage the vehicle. |
| Duplicate Keys | Repo companies can obtain duplicate keys from the lender or manufacturer using the vehicle’s VIN (Vehicle Identification Number). |
| Unlocking Tools | Specialized unlocking tools and techniques can be used by experienced repo agents to gain entry without keys. |
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