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That's a great question! I'm looking to do the very same thing but, I didn't even think of that question.
Your insurance company kicks in and helps. I did a one pay lease for a 2 year lease, and if the car were to go bye bye, my insurance company would replace the car for me. So I wouldn't be out any money or car. And if something happened that required me to bring the vehicle back to Mercedes, they would issue me a refund for the remaining months.