I don't have an answer for you, but I can tell you that you are not alone. The repo man who picked up my truck was midway through dismantling a custom stereo system when I got my truck back, and even told me he had planned on keeping it for himself since the bank didn't know about it. I tried to get the repo agent or the bank to pay for having it repaired, and neither would accept any responsibility, to the extent that people at the bank would refuse to speak to me, and I routinely was hung up on. I wish you luck with this, and make sure you take pictures for the insurance company. They'll probably have to sue the repo company. You might also check on doing a police report, depending on what type of damages there were.
The LENDER is responsible for any damage to your car incurred during or after a repo. In my experience it takes an attorney to get them serious about paying for it. just as with any other claim for damages, it requires some sort of proof that the damages occured during or after repo. Some people try to use this scam as a means to get money from the lender/repoman after being repoed. People who havent had food for a week will suddenly have $2500.00 CASH in the car that was repoed last nite. Go figure. Good Luck
Thanks for your offer to keep us posted.
You do not need an attorney to sue in most states you a can represent yourself. The key is to sue the lender and keep after them.They do not want any problems so they ignore people with repos because they figure they can!!If you are having money problems who has time to sue.The standard in civil court is called a "preponderence of the evidence" so it is not high.Most repo guys on this and other sites say it very hard to sue because they don't want you too!! If the bank gets sued they have pay an attorney to represent them that costs money and they don't want to go into court to defend a repo guy.So stop talking and start suing.