Hence why it's never a great idea to simply put money down on a lease.Atleast he/she was ok, and atleast the car was Totalled! Insurance will pay off the vehicle, and hopefully he has the coverage that waives the depreciation on new cars within the first 24 months. (i'm in the insurance business, this coverage is a must on new cars). Totalled car, order a new one, and all good to go. It would suck even more having this brand new car in the shop for repairs, which will never ever be the same after.