Am Canadian, so my legal understanding may not match American law. My understanding of Canadian law is that that situation would not have had mens rea (a guilty mind); the repo man was repossessing a car which he believed was one that he was entitled to repossess. However, the repo man would like be guilty of civil negligence and the owner court would ensure that the owner was made whole (no towing fees, rental fees covered, maybe a bit of extra cash to cover the hassle&#x2F;lost work&#x2F;whatever).