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IF the debtor is in DEFAULT of the contract (any one of the conditions) and the contract states the the lender will repo when in default, then go for it. Just a bit of CYA. Send them a reminder letter about the insurance default and give em 5 days to cure it.

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Q: In Alabama can you repo a vehicle if the buyer doesn't have full coverage insurance and they signed on the bill of sale saying they would?
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