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My tire blewout and a piece of it hit another car behind me, am I at fault?

The blowout was at normal speed, and I did not hit anything to cause the blowout. My car didn't hit another car, and the only "damage" caused to the other car was due to a piece of my tire. A cop came out and did not issue a ticket or write an "accident" report. Now my insurance company is assinging me fault as the driver and is putting points on my license even though there was not one thing I did wrong, or one thing I could have done to prevent this. Please help!

yes your at fault

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