Legal Question in Traffic Law in New Jersey

My 6 month car insurance coverage expired on August 20. I just forgot to renew it. 4 days after that, on August 24, I had a minor car accident in NJ. It was my fault. I was changing lines (from right to left) and slightly scratch another car. The other diver called police. Both of us stated that there were no injuries. I admitted that it was my negligence. I've got 2 summonses:

for "no liability ins coverage on motor vehicle ( code 39:6 B-2)"

and for "failure to posses driv ins card (code 39:3-29)"

Both of those summonses have "accident" checked in "other offence information" section.

Right after police was gone, I tried to renew my insurance coverage with Ameriprice. They refused to do so. I called a broker and got a car insurance from "Progressive". I did not tell them about this accident. Is progressive going to charge me with fraud? I do not want to claim that accident, but another driver probably would, although I offered to reimburse car repair costs "out of pocket". Also, I am to go to court with those 2 summonses (It is non-payable offence) Shall I plea guilty? My driver's record is more or less OK: my drivers license has never been suspended, I did not have a car accident for 20 years or so. But I had some tickets in the past: "reckless driving" in 2015, and last ticket in 2017 for a minor traffic violation (view obstruction - GPS attached to my windshield )

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