Is Betterment Deduction Allowed in Property Damage Claim?

Our insured has a business auto policy and a claim arose recently wherein an employee backed a covered auto into a parking lot light pole. The pole had to be replaced and the BAP insurer paid the claim but deducted a betterment charge. The insurer only paid for ninety percent of the cost to replace the pole and light. We think that the insured has liability to repair or replace the pole and light and the insurer should cover the whole amount. What is your opinion?

Arkansas Subscriber