I would be suprised if the store uses their Ins. Co. for this relatively cheap claim, commercial policies have generally higher deductibles, most of the policies I sold started at 5k for a small business and went up from there, smaller deductibles are avail but the policy premium gets stupid high for most small businesses. I doubt a $500 (guess) import anything would cause them to file a claim as it makes no sense to do so, the dude with the SUV thru his store front definitely has a legit claim!