system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: Why do insurance rates go up after a car accident? Isn't that like casinos raising their house edge because you won?

Having insurance is like paying early for damages you assume you will have, right? Like a bet. It's not like you stop paying insurance once your total payments exceed the coverage, so why do they get to ~~raisin~~ raise the cost? It's like you're betting, and when you happen to win the insurers just change the rules so they still win.
gpt
Insurance is priced based on risk. If you live in an area with lots of tornadoes, you obviously will need to pay higher rates for that home insurance against tornadoes because the company is more likely to have to pay out your claim than if you lived elsewhere. 

If you are involved in an accident, you become more of a risk. It's not just that they're trying to recover their costs, but also that you've identified yourself as someone more likely to be involved in an accident, for whatever reason (maybe you suck at driving, maybe you live in an area with lots of sucky drivers, maybe you drive only on days where everyone sucks at driving, etc etc). The company can't get so detailed as to identify the reason exactly, but it knows that drivers who are in an accident tend to also be in other accidents. 

It goes away after awhile, though. 3 years, usually. The price drops as you get older, because older drivers tend to be safer (well older in the context from 18 vs 30).