My 2023 BMW X4M got stolen recently - I’m still in shock and processing how to move forward.

I have a few questions and would appreciate some feedback.

The car was leased, I only had the car for 5 months (out of a 36 month lease). I put a significant down payment down to lower my monthly costs. Since the car was stolen, would I be able to get the remainder down payment refunded? (Or at least a partial amount).

If my insurance settles the car with BMW and I owe nothing, I’m still down X amount of $$$ from the down payment. That means I either get that down payment money back and put it towards another lease OR I have to take more money out of my account for another down payment on a new car?

Does anyone have any experience or knowledge on this topic? Appreciate all the help…