I need quick response for my question

Learning Goal: I’m working on a writing question and need the explanation and answer to help me learn.

Joe entered a store and approached a display of china. He was examining an extremely valuable vase and carelessly dropped it, destroying it. Which of the following is correct with respect to his liability?

A) Joe is responsible only if the store has no insurance coverage.

B) Joe cannot be sued for the loss because he is not a party to the insurance contract.

C) If the store has insurance coverage, the insurance will pay the store for the loss, but the store can go after Joe for repayment by suing him for negligence.

D) If the store does not have insurance coverage, they should have, and Joe has no responsibility in these circumstances.

E) If the store has insurance coverage, the insurance will cover his careless conduct, and he doesn’t have to worry about anything.