[Associate]

Unfortunately just because you got off the ticket doesn't mean you get off on the whole insurance thing, regardless of the outcome of the ticket the fact still remains that you where charged. That means you are charged with the accident and anyone else involved was not therefore it's your fault in the eyes of your insurance. Sucks but it is true, fault for the accident is decided by the ticket and not if the ticket holds up in court. Check your record it will have an at fault collision on it.