Yes, lessees can choose not to have gap insurance, but it depends on the lease agreement and lender requirements. Some leasing companies require gap insurance as a condition of the lease to protect against financial losses if the vehicle is totaled or stolen. If gap insurance is not mandatory, lessees can decline it, but this may expose them to financial risk if the car’s value depreciates faster than the remaining lease balance. Without gap insurance, the lessee could be responsible for paying the difference between the car’s actual cash value and the remaining lease obligation in case of a total loss. Some leases include gap coverage automatically, while others offer it as an optional add-on. If a lessee wants to opt out, they should carefully review their lease terms and consider alternative coverage options through auto insurers. Ultimately, while declining gap insurance is possible, it may not always be advisable.