That would depend ENTIRELY on the individual policy held by individual concerned. Not all insurance policies are the same. Being at fault in itself ... is not really/usually the major issue. Having the premiums paid and up to date ... IS. That's the whole principal of having insurance. BUT ... being held at fault might (ok WILL) see your premiums go up.
Those looking for a particular type of insurance ... read all the policies of the companies first. Some clauses may trip you up ... like being "Under the influence of alcoholl" ... which is not the same (with some companies) as being over the (any) legal limit to drive.
There are a few good past threads on insurance ... worth a read.
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