Related to the OP’s situation, someone check my math.
Current BMW MF: .00082 / 1.968%
$3000 down = $83.33/mo
Additional rent: 83.33 * 0.01968 = $1.64
$1.64 * 36 = $59.04 additional rent to roll everything in.
Also, in the unlikely event like this, having rolled tags/title/taxes in, you only would have paid 1/36 on that, so instead of trying to recover your upfronts you only paid out $83.33 in actual utility you got for 20 days, plus $1.64 for BMW to front it.
Also as an aside, if you sold/trade/swap this in month 24, you paid $39.36 in rent but you DID NOT pay (or kept) $999.96 that would have gone to upfronts. $0 DAS shifts all but your monthly payment risk back to the captive (as long as you have GAP).
OP I’m sorry for the loss, but glad it’s just metal and no one was hurt. If you were not at fault, you can ask the other party’s insurance to refund your upfronts.