IMHO that looks totalled. The way the insurance companies look at the situation is this:

Actual retail value
- Salvage value
= total cost of repairs

SO: if your X3 is worth 30K - 12K salvage (a guess) that leaves 18K for repairs.

The $3000 cap reduction is gone. That's the dirty little secret about leasing and a total loss- anything used to buy down the contract is shot in the ass- remember you don't own it- the leasing company does. SFhondapilot is right- never buy down a lease- take the cash, put it in your own account and tap the account every month to minimize the payments. That way the gap coverage takes care of the difference if it is a total loss and you get to keep what is left in the account.

__________________
Dave

'05 325xi
'10 E70 35d
'85 911 Carrera
'66 911 Work in progress
'91 Chevy C1500
'95 Jeep Cherokee
‘18 Jeep JLU