Joe Entered a Store and Approached a Display of China

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) If the store does not have insurance coverage, they should have and so Joe has no responsibility in these circumstances.
B) Joe is responsible only if the store has no insurance coverage.
C) Joe cannot be sued for the loss because Joe is not a party to the insurance contract.
D) If the store has insurance coverage, the insurance will cover his careless conduct and he doesn't have to worry about anything.
E) If the store has insurance coverage, the insurance will pay the store for the loss but can go after Joe for repayment by suing him for negligence.