When you are in a leased car, you usually still pay for all repairs needed during the course of your use of the car. This means that you will be responsible for negotiating with the insurance company for all repairs needed. The good news is that if the accident was even just partially your fault, you still most likely have excellent coverage, as required by most lease agreements. You should be able to cover the expenses.
However, sometimes it is challenging to get the insurance company to cover the extra repairs needed for leased cars. Often they will object to the sometimes additional expense of specific dealer parts. Still, you should be able to work with an accident attorney to ensure that you get what you deserve. You may also be able to cover some of the expenses not covered by the other person’s insurance when they are at fault through your own collision insurance.
If your car is totaled, the settlement will need to cover the value of the car still left to be paid on the lease. You hopefully have gap coverage for just this potential problem. If not, you need to additionally ensure that any settlement that you agree to won’t leave you open to large payments on a car you no longer have.