Can they repo a car if it is uninsured but not on the road?

Massachusetts resident with a credit union in Vermont.

My engine is gone on a car that I financed last year. I have been continuing to make payments on the car however I canceled its insurance because it is not on the road. Now the credit union is threatening to repossess my car because it is uninsured. Can they do this?

person1 said:

Can they do this?

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Yes*******

Is there any way around this?

With a leinholder - You do not yet wholly one the car.

person1 said:

Is there any way around this?

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Pay the loan off.

The insistence on the part of the lienholder (credit union) on having insurance is to protect their property.

And, an extra little tidbit: If they find out that the car doesn't have a motor in it, they can (likely) call the loan due immediately.