1-pay leases and insurance... what happens in a total loss?

Relevant sections of GMF and Audi one pay leases have been posted here.

You get a replacement car or a refund of the unused portion of the lease.

I’ve seen no evidence that leads me to believe that any other manufacturer works differently. I vaguely recall one lone contradictory anecdote about Mercedes Benz posted some years ago.

They do leases every day. Ask them to see the boilerplate language.

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