Isn’t it a bit weird that you get screwed. You have a deal with BMW for a car. Which got stolen and they are insured for. So they just can’t get off the hook of their side of the contract by having the car stolen. I’d say they still have an obligation to actually deliver you “a” x4m. Realistically it could be a slightly used one, and not a new one.
Contracts work both ways.
Yeah but that would imply financial lease. In which ownership and insurance is with the customer. And in that case it would be settled between insurer and customer. Not bmw.
In the case OP provided is operational lease. Basically a car as a service for which you pay a monthly fee and all other costs are just fuel and perhaps a fee for additional miles.