I hate BMW’s

Dan the man said

Never had to get it. I was told that if you don't put down the required amount at signing you can't get the car

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If the car gets totaled in a wreck, then the lessee is responsible for the shortfall; and there most likely will be a shortfall.

I leased one car more than 20 years ago, but I rolled the dice and did not get the GAP insurance.