Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

What happens if the repo guy damaged my car?

I was two months late on my car payment due to surgery. The bank sent the repo guy who tried to tow my car but it slipped and was damaged. The bank refused any responsibility. They also refuse to give me the repo company contacts. Now my insurance wants to pay out but someone has to be held responsible for the damage.

Jul 28, 2021 Alameda, CA

Answer
Author profile picture
Insurance Writer

Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.

Ross h…

Credentials
  • 5+ years in the Insurance Industry
I'm sorry for the difficult situation. If the towing company damaged your vehicle, then they would be responsible for paying for the damage. Because your bank is being difficult, I recommend contacting your insurance provider. They might have resources to track down the towing company to get the necessary information. Outside of that, you might want to contact a lawyer. However, I would recommend holding off on this until you speak with your insurance company. If you have any further questions, don't hesitate to ask.
Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Pin
Shield checkmark No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Does Shelter use local adjusters after a claim?

This is a fairly common question after disasters, specifically, like big hail storms. One of Shelter’s strengths is that they still have local offices and resident adjusters in many of the areas they serve. That means when you file a claim, there’s a good chance you’ll be working with someone who l…
Oct 9, 2025 Fort Collins, CO

Can I get car insurance without a home address?

Getting car insurance coverage between homes is tricky, but there are a few options worth knowing about before you assume you have to wait. Car insurance companies use your home address as a key rating factor, and most require a stable, permanent address to issue a policy. When you're staying somew…
Sep 11, 2026 Portland, OR

Can someone get an auto insurance policy in my name?

Unfortunately, yes, someone with a copy of your driver's license could potentially try to use your information to get car insurance. It's a form of identity theft, and it does happen.The good news is there are a few ways to check. You can request a CLUE report (Comprehensive Loss Underwriting Excha…
Jul 22, 2026 Oak Harbor, WA

Does car insurance cover a locksmith?

If you have roadside assistance on your insurance policy then it is extremely likely that your policy will cover a locksmith to unlock your vehicle. You might even be able to get your vehicle "re-keyed" under your roadside assistance coverage if you aren't able to find your keys. Not all roadside a…
Mar 30, 2023 San Jose, CA