I think You are safe in a sense you dont need to pay money for your friend and that lady. ( may be deductible  amount you have to pay for your  friend)  . Since you have learner licence and driver besides you ... and car is insured for the driver's name, ..U should be fine.

but wondering who decided  that is your fault ???. Never admit that in the accident even you r in guilty party  . this is a job of insurance agent . they call the both party and decide ...