Is there such a thing as a non at fault accident?

I was involved in a car accident. I was driving out of my apt complex and used an exit that was fairly steep. The roads were icy but I thought that this road had been salted. As I drove onto the downward sloaping road, I hit my breaks but it was too late. I drive a 4 wheel drive 4 Runner and started to accelerate even though I had my foot on the brake b/c of the weight of the car and the icy road. There were already 2 other cars who had previously wrecked in front of me b/c of the same reason. They just happened to wreck at different times and the 2nd person did not hit the 1st person (by some miracle). I hit the 2nd car and pushed it into the first car. My insurance has come back and said that they will be paying for the damage that my car caused to both vehicles. The apartment complex came by to salt 30 minutes after my accident and 5 or 6 cars came driving by and made it down this road successfully. If these two cars had not been there or if they had cleared their cars from the scene of the accident, I never would have hit them. Is there such a thing as a non at fault accident where everybody's insurance pays for their own car. As this accident was not caused by my reckless driving, how can I be held responsible especially when the simple act of salting the road allowed many other cars to pass within the same hour of my accident.