<prompt> Human: Hello PF, I could use some advice.Currently I have a lease on a 2013 Smart ForTwo that is up in August of 2016. It is over mileage and has body damage. Last year I slide in the snow and damaged the front bumper, support frame and body panel plastic. It drives fine and actually is not all that noticeable unless inspected up close. Its about 1000 in parts and Im guessing several hours labor. Also the windshield is cracked from a stone while on the highway. I have full window coverage but was debating if it was worth making a claim or not before the trade in.I dont wish to keep the ForTwo and now I need a bigger car that can fit a car seat. I was thinking of a new or used VW Jetta or similar.What are my options, can I trade this in with a new purchase and roll the negative equity into the loan?Should I get it repaired first, or make an insurance claim?Are there better options I should be pursuing? Thanks,  <response>: 6 years in the auto business here.If that dealership wants your business bad enough, and you stress a certain budget, the dealership can work it out.Rather than let you do a typical lease turn in and have you pay the overage fees, they will just buy the car from the lease company, just as if it were a trade-in. They will pay the full payoff on the car, thus eliminating any fees.If the amount they appraise it for is less than the full payoff, there will be some negative equity. This negative equity will most likely be less than the money you would spend out-of-pocket to fix the car and pay the overage fees. Plus, you get the added benefit of rolling the mount into your monthly payments on the new car, rather than footing the bill out-of-pocket. 