Premiums go up because information is revealed to the insurance company that you are the type of person who gets into accidents. You were always this kind of person, but the insurance company didn't know until it happened.
From this point on, you might become less accident-prone than your previous self, but you established that you're more likely to get into accidents than the average 0-accident driver.
From this point on, you might become less accident-prone than your previous self, but you established that you're more likely to get into accidents than the average 0-accident driver.