Do you think the auto insurance companies love snow as much as many people do?

It amazes me that some people are salivating at the lips because snow and ice will soon be here. I don’t care how hot it gets I will never have to worry about this. How well do you think the auto insurance companies love that sort of weather? Many who love weather like that, will they love it after their rates go up because they had crashes in ways they never would have had if they had been in locations that didn’t have no dang snow? Surely there is ice and snow on the ground they should have stayed home. Do they really think their insurance are not going to place part of the blame on the driver?