collision coverage on a new policy

hi everyone, i'm new here. =) i have a question about collision coverage. i was at a drive-thru banking center earlier (02/06) and pulled in to the rightmost lane. the lady at the window told me to move to either of the two lanes to the left of me. so i reversed the car far back enough for me to drive into the lane to the left of me. unfortunately i miscalculated and as i was driving into the lane i brushed against the thick pole to my right, so i reversed the car (which probably made it worse). there's a big dent on the rear door and large scratches extending from the rear to the front door. collision insurance should cover this right? thing is, we had just switched TO a new insurance company from a different insurance company last february 4th (policy effective 02/04). the photo inspection was done 02/05 (no damage whatsoever yesterday). is the car covered? they might say that it isn't since we had just switched. i'm so worried. another thing is that even though the car is insured under my name, it is currently registered under my mother's name. our new insurance company said that i had 30 days to transfer the registration to my name. i did add my mother under my policy (as a non-driver) the other day but when i called in to check today, it was only under the andquot;notes.andquot; so they added her again but said that i'll be seeing her name online in about 24 hours. i haven't reported the incident to my insurance co. yet. is the collision covered under the policy? also, is this considered an andquot;accidentandquot;? will it raise my premium? thanks in advance.