Wala naman me gusto nung nangyari. My take is, for your friend to offer to pay for what she broke and just ask for a reduction in the price. Expensive? Maybe, but it beats the hell out of demand letters and all sorts of accusations flying between the parties. Just treat it as tuition for a very hard lesson in life.

The insurance coverage that most stores carry are only for public liability and do not cover breakages. Also, stores don't need to carry signs to the effect that "If you break it, you pay for it" since the law on torts and damages will still require the person responsible to pay for the damage or injury suffered by the store.