Well said, VDC.
Sacarah, you have (albiet unintentionally) damaged someone else’s property. You are legally and morally responsible for whatever it takes to "“make her whole”, which means to get the damage corrected as if it had never happened.
Your auto insurance may not cover it, but not for the reason you think. It may not cover it because your car was not involved…a shopping cart was. Had your car rolled and hit hers, your car insurance would cover it.
Check with your car and home insurers. But whether you have coverage or not, own up to the damage and accept full financial responsibility.