Some quick background, I leased a 2024 BMW IX which ended up in a total loss due to an accident where a drunk truck driver was driving on the opposite side of the road and collided into me head on.

2 months later after my insurance company cut a check for the value of the car which was sent to BMW Financial Services, I was told that it is BMW’s to take the full value of the car from the check AND keep all my lease payments + down as part of their lease policy.

Has anyone else had to deal with this and were you able to recoup your losses from BMW? Do most car companies have this bogus policy on their leases?