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If you think you are at risk for totaling it and t is a small premium then maybe take the chance.
It wouldn't make sense to have this for a leased vehicle as there is nothing to replace. GAP coverage is included with the lease so you turn it in and lease a new one. Obviously don't put a down payment on a lease.
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2021 BMW G20 M340i xDrive - Verde Ermes/Black - 03/2024.40
2019 BMW G05 X5 xDrive40i - Phytonic Blue/Cognac - 11/2023.50
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