I hope you got that in writing because it’s definitely not correct.
I hope so too…but just like you, I don’t do well with assumptions or else I’d be very disappointed😉
Thank you all for the info.
@Ursus Thanks for sharing the link…so a totaled vehicle and whatever is under writing is inclusive of all brands? My question pertained to an Audi not a BMW
The discussion in that link ended up touching on multiple brands, including audi.
Ultimately, the answer is always the same: “what does your contract say?”
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@OP - make this post interesting and show us pics of the totaled Etron. Can the rear bumper be salvaged? - I need it… $300 cash …
Like @mllcb42 said - there are different situations discussed in that thread. There are more threads like this, including totaled Audis.
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When the insurance company finds out your scheme they’ll pay you nothing and, depending on the state, may report you for insurance fraud.
Hey @max_g I’m sure you’ve been following along with this thread, its interesting how after 167+ posts and counting…it just suddenly occurred to you to make this statement. I’m one of many on here that happen to sit equity after an accident (hence why I’m inquiring about my options) so based on your statement, is everyone on here trying capitalize on equity doing so illegally??… Nevertheless, thank you for your input.
Side not: Do you think it would be brilliant for Audi financial and the representative handling my case (on a recorded phone call) advising me into fraudulent schemes to capitalize on equity?
Audi Financial told you that they would still allow you to buyout the car now, knowing that it’s been totaled? I highly doubt they would.
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It doesn’t matter how many posts were in this thread prior to yours.
Clearly you have not thought this all the way through, and you think some rep at Audi Financial has?
If I could forward you our conversation this morning I would, but Audi couldn’t provide a title number (I guess a title hadn’t been created up until today) to my insurance that’s why the buyout check was never sent to Audi
If it was the same representative that told you you were getting all of your cap cost reduction back, I’d go with ignorance over mallace.
That doesn’t answer my question. You said you would buyout the totaled Audi now, but I don’t think AFS would even allow you to now. They will only deal with the insurance company for the payoff amount now. This was happened to another Audi leasee above.
They can’t legally sell it before the title is branded “salvage”, which can’t happen until the insurance claim is settled. 
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Not sure where you got the “all” part…he mentioned I would get a pro-rated portion back
Well, I don’t know for certain that the events that happens to person 1 will apply to the events of person 2 under the provisions of Audi financial. what I do know is that I was provided a buyout amount this morning up to the last cent…I was even transferred to the total loss department which provided this information. Moreover, audi financial did mention that whoever provides a check first (myself or insurance) will get the title, which is why they provided a payoff amount? The settlement between insurance and Audi financial was reached, however, as mentioned earlier there was a problem with a “non-existent title” according to my insurance rep. I’m reviewing my contract at the moment and will call Audi financial tomorrow and keep you all posted. I’m new to all this and naive (to most of you) but I will do my research before I exercise my options
All or pro-rated… doesn’t matter. Neither of those things happen normally. In the case of a totalled vehicle, you either get the delta between the payoff and the insurance payment or they do.
A pro-rated portion of upfront payments only happens in the case of a one-pay lease.
This all sounds like the representative you were talking to was confused over how parts of the lease apply.
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Let’s third party it. You are more than welcomed to join our conversation tomorrow morning 
No one will finance a totaled car.
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Finally a very factual statement…