Only if the insurance didn't pay out. If they paid him, it's theirs.
I find no mention of any insurance claim in the Article.
That leaves only speculation on that part.
I’ll toss out that if Tommy had been Paid a claim via insurance to Him that His continuance of renewal of the Stolen Vehicle Report would have not been allowed.
I’m not a Auto Theft Investigator or insurance agent/investigator but I did stay at a Holiday Inn one time.