The simple answer is it really depends on your situation (car + insurance package you chose + how it got stolen/damaged + how old it was). The insurance rate goes on the current value of the car so they never get you a brand new car or pay full money. You get different if its stolen on first day vs 6 months vs 2 yrs, etc. It will also depend on whether they can blame any responsibility on you..e.g. do you leave it parked outside at night, etc. Did you report it in the way they suggest? etc.
Most things are there in the contract (though sometimes rather hidden under fancy words and jargons you won't understand) so its better you read it very carefully and ask around for what you don't understand.