check your policy. You're likely to find there are some crazy exemptions. So for example, if you hit a cyclist or pedestrian, you are almost always gonna be considered to be 'at fault' from the polce in NSW and hence the insurance company will play along that same way. Effectively you backed into another car.
Not saying I agree.
That is the way they often play it... How do I know? My mate hit a cyclist. The cyclist was visually imparared in one eye and blind in the other. My mate hit cyclist, or to be accurate the cyclist hit my mate's car on the blind side (literally). Police and ambulance called. Cyclist wasn't badly hurt, but ambo was a pecaution... So despite cyclist admitting that she was at fault, the driver was deemed legally 'at fault'.