Had my first minor fender bender this last snow storm. I was plowing out a lot and was backing up. Well this car came up from behind me in my blind spot. I looked in both of my mirrors and didn't see him. Well he tried to beat me and race into a parking stall and I crushed his driver side rear door and rear corner panel. I had all the lights and whistles going. And the truck is fine execpt one of the box lights is out now. Probably some dumb questions. Am I at fault? I'm pretty sure I lost my clean driving record but how will it be affected? Are they going to pull our insurance cause we just switched over?