Vehicle loan or lease — U.S. BANCORP (CA)

Problem with fees charged. On XX/XX/23 I was in a car accident with a 4 day old XXXX. The other driver was at fault. My insurance paid US Bank {$75000.00} and the payoff of the car was only {$42000.00}. The leasing company US Bank kept the total of the payment from the insurance when we should be entitled to the balance after the payoff for the lease was covered as we are out {$8000.00} for our down payment plus additional costs of obtaining a rental car, etc. The leasing company would not budge in paying anything even though our insurance paid well over what they needed. They are basically profiting off of me being in an accident especially since I only had the car for 4 days.