If you didn’t have gap insurance on the vehicle you may be liable for the difference your insurance company pays and what the vehicle worth was prior to the accident.
I used to lease a ton for the low monthly payments. I’ll never lease again. Buy your vehicle outright, drive a beater until you can pay cash for the vehicle you want. We did and then put the total of monthly payments to into investments. Best advice a friend ever gave me.
I gave up. I am fixing up my beater, I like older cars anyway...