Q: Do I still have to make lease payments if someone else caused an accident that totals my car?
A: Lease payments result from an agreement between yourself and your bank. If your car is totaled by a third party, whom lacks privity of contract with the bank holding your car note, you would file a claim against the third party's insurance. It is unlikely the insurance company will willingly make you whole and therefore situations like these are best handled by an attorney.
A: I'd think not, as the purpose of the lease has been frustrated, and I'm sure the lease holder mandated that you have insurance. Check the language of your lease that controls this situation, and make sure all players know of the situation.
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