Which is one of the issues with leases. I have some (mostly) non-functional damage to my car from a couple self-inflicted low-speed collisions in a driveway/garage. I'll take some hit when I eventually trade the car in. But I usually trade in cars at 15-20 years and the hit will be far less than if it were a leased vehicle.

Though, in this case, I'm not sure why the owner didn't have comprehensive on a presumably fairly new vehicle. I actually did but decided it wasn't the deductible and presumed hike in premium.