Julie Entered an Art Gallery with a Book- Bag Over

Julie entered an art gallery with a book- bag over her shoulder. She was asked by a security guard to leave the book- bag at the front desk but she refused to do so. As she looked at a display of pottery, she carelessly swung the book- bag around and knocked over a pottery display case destroying its contents valued at $4,000. 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, because it was just "one of those things".
B) No, because she lacks an insurable interest.
C) Yes, because of subrogation.
D) No, because the art gallery's insurer will pay the loss.
E) Yes, because she lacked utmost good faith by taking the book- bag in after being told not to.