I’m don’t think that’s how this works though. They already made the deal and delivered the vehicle. BMW is not on the hook here, the buyer is, and that’s why buyers are bound by the terms of BMW financial contracts to maintain insurance on the vehicle until it is paid off or leased returned. Contracts do work both ways, but it seems in this scenario BMW has fulfilled their obligations up to this point. That doesn’t mean they will just provide another vehicle. Certainly the contract would not require that, and they certainly aren’t providing another vehicle out of goodwill.