Hello, I need help with car insurance policy?

Last month, I went to a restaurant to eat. After I finished, I went to my car to go home. While I was backing up, a car coming forward. Because it was raining, so I didn't see the coming car, so I backed up and hit the car's passenger door. I knew that was my fault and I admitted. While exchanging... show more Last month, I went to a restaurant to eat. After I finished, I went to my car to go home.

While I was backing up, a car coming forward. Because it was raining, so I didn't see the coming car, so I backed up and hit the car's passenger door. I knew that was my fault and I admitted.

While exchanging information, I found out that the other driver is not the owner of the car, she said that she borrowed the car from her friend.

My question is: Am I still at fault?
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