There is no ambiguity on what the insurance requirements are when leasing, either this vehicle or any other one. The manufacturer will make it very clear. For example here it is specifically in teslas website about leasing:
Tesla leasing offers affordable terms and convenient, monthly payment options to qualifying customers. When ordering your Tesla vehicle, select ‘Lease’ as your payment method.
www.tesla.com
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No ambiguity at all, so if this person was leasing and somehow "didnt have coverage" that is a WILLFUL disregard for what they were supposed to be doing, and should be separated from any and all discussions about "right to repair" or anything like that, because the person leasing the car does not own it, so there is no "right to repair" on their part. They are not the owner.
The owner has specified what the repair stipulations are, etc. IF this is a lease, it is a very poor example to bring up for right to repair, because the "right" is the company that owns it.
Not having insurance on a leased vehicle is deliberate neglect, not an accident, or anything of the sort.