If you have a car accident where you are at fault, your insurance premium may go up. If the accident is your fault, plus the result of reckless or drunk driving, your premium will certainly increase. Premiums are based on risk. If you've had an accident due to bad behavior, you become a much greater risk to insure, because according to statistics, you're likely to repeat the action in the future.
When will making a claim put you at risk for cancellation? It depends on the insurance company, but if you show a pattern of accidents that are your fault, you may only get two or three claims before the insurer refuses to continue your cover.
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