1st accident. Got a careless driving ticket & totaled car. Need advice.

I’m in my early 20s and just got into my first car accident in NJ (first accident ever) and honestly feel completely overwhelmed and don’t really have guidance on how to handle all of this. It’s times like these, I really wish I had parents to ask. The accident happened in a shopping plaza in Monmouth County. I was at a stop sign trying to go straight through the plaza. I stopped, looked, genuinely believed it was clear, and proceeded — then got hit by a large SUV entering the plaza from a main highway. My car was pushed into another vehicle after impact. The other vehicle was at the opposite stop sign. Police said the other driver had the right of way and I was issued a careless driving ticket (2 points). My car is totaled. I’ve never been through anything like this before and I’m honestly pretty shaken up. I’m not trying to avoid responsibility if I was at fault, but I’m trying to understand: Is it worth going to court for a first-time careless driving ticket in NJ? Do people usually hire a traffic attorney for this? How badly do 2 points affect insurance in NJ? If the other driver may have been going fast, does that realistically matter at all in a stop-sign accident? Any advice for dealing with insurance/total-loss process for the first time? Also, if anyone else has struggled with driving anxiety after an accident, I’d appreciate hearing about that too because I’m having a really hard time getting back on the road right now. I already have major anxiety issues as it is. PLEASE be kind. This was my first accident and I’m trying to learn from it and handle everything correctly.