[gothicaleigh]

Typically it takes 2-3 missed payments for lenders to call in the repo-men. That's almost 90 days, why didn't you remove your things during that time?

The whole insurance problem makes it sound like you may have been having trouble meeting other payments too...
Were you putting insurance on the car and having it lapse? It makes no sense whatsoever that GMAC would not recognize your coverage after sending them as many copies as you claim.

Even granting that the insurance mistake was on them, completely ceasing payment on your lease while continuing to keep the car was not the right thing to do. You should have continued making at least the original lease amount while the insurance issue was being straightened out or turned the car in to your dealer.

GMAC isn't new to this game. They're going to rape you if you bring this to trial (it will be next to impossible to justify non-payment of your lease over an insurance dispute).