I cant be the only one to be blindsided by what seems to be such an unfair practice in the auto-leasing industry. I was planning to buy out the lease on a car when it came due in 2 months. Unfortunately the car was totaled (no injuries). The car is valued at $20K (round figures here). I owe $14K (been paying on it 3 years). Heres the kicker...the leasing company says that they are due $20K from the insurance company not the $14K that is owed...which is completely backwards from logic IMHO. Has anyone ever had to deal with this??...