Dan,

Sorry to hear about your mishap. Definitely time to slow down.....it only gets more expensive (insurance, fines, etc.)

Hopefully, everything will work out.....see if you can get the points/speed/fine reduced by going to court. I suppose it can't hurt to try. If you receive a 'provisional' or 'hardship' license, expect your insurance to skyrocket, or possibly even risk the chance of being cancelled or non-renewed.

Work the system and see what you can get reduced before pleading guilty to anything.

Steve