Turn-in Inspections SUCK!

On Monday I called up my leasing bank (US Bank) and request for a turn-in inspection. I’m about 2.5 months from the last payment of my lease, so I figured that it’d be safe to do it. Oh boy was I wrong! They told me that I have to be within 45 days of turn-in date and the inspection is only valid for up to 60 days. I don’t understand why there’s that 2-month window if I can’t turn it in any sooner than 45 days before the turn-in date. Basically, I have to have pay-off the entire lease before I can actually get my inspection. So if i want to get it inspected now, I have to payoff the balance of the loan. That really pisses me off. This pretty much ruins my plan you see. I was trying to do find out how much damage and wear and tear I’m responsible for and see if it makes more sense to trade-in the car (and take some negative equity if necessary) instead of waiting until lease end and paying for the disposition fee ($395) and whatever damage/wear and tear there is. Normally, I take excellent care of my rides, but the Mazda3 in particular went through an accident 1 week after I got it, wasn’t put back together properly (Curse you Mercury Insurance and your cheap repair shops). Add in the fact that it’s been dinged to death in parking lots and this ride just makes my blood boil, not in a good way.