Insurance Premium denotes the payout to the Insurance Company for the risk they are undertaking on you (or your asset) for settling claims (in case one arises). If you are not party to an accident in an insurance period then the likelihood of your premium going down in subsequent policy renewals increases. This is so because from the perspective of the insurance company your become less risky and a better driver. However if you met with an accident then the increase in your premium will depend upon the following factors,
(a) Party at Fault: Did the accident happen because of your mistake? If yes, then the other party will raise a claim on your insurance company. If the other party was at mistake then you will get your claims settled from their insurance company.
(b) Driving under the influence of alcohol: Were you driving under the influence of alcohol when the accident took place? If there is a stalemate on deciding the faulty party and there are no witnesses then the likelihood of your becoming the faulty party increases if you were driving under the influence of alcohol.
Remember that your insurance premium is directly linked to how risky the insurance company considers you to be on road. You are only a risk if they have to settle claims on your behalf and not vice versa.