No. And sometimes the at fault persons premiums dont either

For situations where fault can be attributed to another party they have a slider like 0% 25%, 50%,75% 100% etc. This determines whose coverage is being used (even though the money comes from the pool).

As you have accidents/traffic claim related issues your years of driving bracket it slid toward a lower discount. So with 10+ years driving you are in the biggest discount, if you had various issues it may be enough to drop you to the lower brackets and discount is reduced till you gain additional years to move you up the scale again..like +1 modifiers in DnD lol.

For example. My wife was heading straight at a 2 way stop with a through road, driver opposite was turning left. By law she had right of way and started to cross the through road, but opposite driver was eager to pull out to beat through traffic. The driver hit the front side of my wife's car. We filed online, so did other party. There were no traffic cams or dash cams. The insurers claim adjuster reviewed and actually pushed fault onto my wife citing a law that if a left turner is already into the intersection then the right turner has to yield till its clear. We thought it was bullshit review based on situation and could take it to the tribunal. But our cars got fixed "for free" and we had a rental car given to us. And based on driving history our rates stayed the same. So fighting it wasn't worth the effort.

Then since we had COVID pandemic the rates dropped and we got rebate cheques because they weren't paying out as many accidents as they anticipated.