Julie Entered an Art Gallery with a Bookbag Over Her

Julie entered an art gallery with a bookbag over her shoulder.She was asked by a security guard to leave the bookbag at the front desk,but she refused to do so.As she looked at a display of pottery,she carelessly swung the bookbag around and knocked over a pottery display case,destroying its contents valued at $4000.Julie then asked the security guard if the gallery had insurance on the pottery,and she was told that it did.Will Julie need to pay the damages?

A) No,she won't,because it was "just one of those things."
B) No,she won't,because she lacks an insurable interest.
C) Yes,she will,because she lacked utmost good faith by taking the bookbag in after being told not to.
D) Yes,she will,because of subrogation.
E) No,she won't,because the art gallery's insurer will pay the loss.