Car Policy renewal (Primium increase

Good day.<br> <br> Recently got email from miway saying that my Premium is going to increase , when i called them why my premium is increasing they say is because i have claimed which is true but when i get accident it was not me who made mistake or who didnt obey roads rules it was third party <br> >Why i am being penalized for something that i didnt make mistake<br> > if MIway loss why they dont sue the the third party so they can get money back that they use to re-pay my car<br> <br>