I’ve been called worse…
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Who’s a good botto? You’re a good botto
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UPDATE: now the insurance company says it’s a total loss… 
I’m suppose to give it back in March so I don’t have too many payemnts left… hoping I have some type of equity but doubtful. Back to the drawing board.
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Since this is a lease, the car is not yours. In most circumstances you will not see any “equity.” Toyota Financial will get that.
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Stripping back in play?
Chiming in here at the end…
Being declared a total loss is likely a blessing in disguise. Insurance company will pay the leasing company market value for the car, GAP insurance will cover any shortfall between market value and your pay off, and you’ll walk away and can start over.
Document, document, document. As said in The Blind Side, your first check is for the mortgage, second is for the insurance. Sadly, insurance is you get what you pay for.
But, I’m glad it all resolved!!! A complete total out is actually a nice outcome in my opinion. Not your car, not your problem. Let Progressive and TFS duke it out, walk away, and hack your next lease 
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haha its a possibility 
thanks. I’ll find out more today… just confused as to how last week it was $10,000 and ordering parts to this. i’ll update for sure
Did not read entire story here.
TFS lease doesn’t provide GAP insurance.
I hope OP has GAP from Progressive
yea I don’t unfortunately… hence the above message about the stripping option 
Argh I always forget this about TFS leases. Darn!
Why TFS doesn’t include this boggles the mind.
yea I just found out ford does it automatically… I don’t owe much so hopefully it won’t be that bad
It is not about how much you owe on the payments . This is about Market Value vs. today payoff number.
aw ok I see… 
It’s a Highlander. I wouldn’t be too worried unless it had huge miles.
no actually I was under miles… I only had 22,244 miles on it lol
Then you should be focusing on how you can get any of the money paid by insurance that’s over the amount owed on the car.
Yea I was thinking the same… wasn’t sure if i’d be getting any and if so how to make sure I do get it
Start by asking the insurance company. It’s a lot easier if they send out two separate checks (to you and to the lessor)
…vs asking the lessor to issue you a check after receiving an “excess” payment. Because at that point they could very easily make the argument that they owned the car and were entitled to all proceeds paid out as fair market value.
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ok awesome thank you! Hopefully i’ll get more answers today as to why they decided that all of a sudden. I was wondering if they were trying to get some type of benefit out of it or try and get out of it since they now have to pay for the damage. I just get a weird feeling about it