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@VisualStuart @inthehands
internetz:
"If the total loss payment is less than what you owe on the lease, you'll need to pay the difference unless you have gap insurance. If the insurance payout is more than what you owe to the leasing company, the balance should be paid to you."

so, well, if you can get away with insurance fraud and are not afraid to get hurt in a crash, go for it. (I am not a lawyer, and have never driven a car in my life, either)