Insurance isn’t some magic thing that removes all risk from a situation. Go out to reputable sources to find some very long dry reading on how insurance works. It is basically a form of gambling on the part of the insurance company. The house doesn’t like to lose.

In the context of dealerships:

• Insurance won’t pay out the full value of the vehicle. It will be a depreciated cost. This means less money will be recovered than would have been made if it had been sold. This payout will also depreciate further depending on the age of the vehicle/how long it has been on the lot.
• Insurance payout on building repairs will also not likely completely cover the expense.
• Insurance will raise premiums or cancel insurance contracts if the occurrence is too frequent. Once insurance becomes unattainable, the losses explode.
• Not having insurance on the property can affect any mortgages or loans, including leading to foreclosure of the property. The banks want to make sure they get their value out of the property.

In the context of owners:

• Insurance rates are already higher due to problems with the vehicles (30% last year), and there are already plenty of articles about how they’ll be going up more due to the ongoing vandalism.
• The cars in some of the cases that were destroyed were at a repair shop, so those are cars already owned by people. The sale was already completed. (Which does bring question to targeting, but a symbol is a symbol at the end of the day, and it isn’t the same as killing humans.)