Well, it says this:
“If the insurance settlement we receive is greater than the Net Lease Balance, you will receive a credit for any excess up the amount of the Additional Credits deducted above”.
I talked to AF on the phone, to different 3 reps, all say that they will keep the surplus…However, when I pointed to this in the contract one of the reps saying that since they’re the “owner” of the vehicle they’re entitled to the “settlement benefits”. They also mentioned that “credit” does not mean a “refund”.