What happens if you have no insurance on a leased vehicle and it is totaled because of your fault?

What will likely happen is that you will receive a very large bill, for which you are responsible from the lease company. Failure to pay the bill or negotiate a satisfactory compensation agreement with the lessor can result in a Suit being filed against you and a possible judgment attaching to other owned property and bank accounts. Some states even allow attachment of a paycheck from your employer. Failure to come to terms may also result in a negative entry on you credit file.

Your lease agreement likely required you to maintain property coverage on the leased vehicle. Failure to do so is a violation of the lease contract you entered into and signed.