Make sure you give it to your insurance company anyway and demand a defense. Every state has its own law and court decisions, but in NJ i think you may well be covered. I'm not sure about California law but here in NJ your license to drive could be reviewed and revoked and/or restrictions placed on same based on what happened. It happens to older drivers all the time. You should think long and hard about driving anyway and talk to your mental health professional about whether you should be driving at all. Best of luck to you.
Every situation is different, and good legal advice cannot be given based on a short question without an exploration of all the facts that may bear on your situation. This is not legal advice and no attorney-client relationship has been established.
Sounds like a difficult situation. I am sorry you are going through it. You should still report it to your insurance company.
I am a medical malpractice, catastrophic accident and wrongful death attorney based in Philadelphia, Pennsylvania. I am licensed in Pennsylvania, New Jersey, California and West Virginia. Members of my firm are licensed in various states, including Pennsylvania, New Jersey and New York. We handle cases involving personal injury (car accidents slip and falls, etc.,) medical malpractice, nursing home abuse, workers' compensation and social security disability. This post is not legal advice, but instead contains general educational information. Please do not act or refrain from acting based upon what you read in this post. Also please remember that this post does not form an attorney/client relationship between you and me. If you have specific legal questions, you should contact an attorney in your state for assistance.
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