[FordEngineer]

I had 2 brand-new tires slashed on my old truck (along with about 20 other cars in the parking lot), I claimed it (claim = $300 or so), and my rates didn't go up. I really had nothing to do with the damage--it wasn't any kind of 'moving' incident. Same thing here--you weren't even around the car when it happened. You already have a certain dollar amount built-in to your premium that you pay based on the 'average' amount of property damage claims in your area. That's why you have to give 'em the ZIP code when you apply for a policy, and why rates differ by area.

Unless all your neighbors start filing property damage claims too, or if your car gets damaged every other week, I don't think you'll see an increase. But then again, it *IS* insurance companies we're talking about here...