GAP insurance covers the balance of lease payments should the car be totaled or stolen. Liability/collision coverage covers the loss of the vehicle itself. As for suing the insurance company, good luck with that. You generally would not "voluntarily" hand a car jacker your keys. They usually will "coerce" you with a weapon or threat of a weapon. Insurance companies will get out of paying a claim any way, any how....

__________________
Sharing my partner's 2012 Forte 5dr SX til I find my next 123 or 126..
-
Do I miss being a service advisor ???