the insurance carrier does not care whose fault it is, a claim is a claim. You can expect your rates to go up, it will probably not be worth turning in, depending on your deductible, unless of course your $500 leather jacket and those 20 CDs and $200 cash you had in the glove compartment were stolen Stormy nights are popular times to steal, sound is muffled and who goes for a walk in a blizzard?