If I recall correctly, you said that it was a Highway Patrol that pulled you over? He probably got you with Lidar. If that's the case, there is no way you are going to win. ALSO, Highway Patrol Officers get either time and a half or double time to go to court. So they are ALL about that. As far as your insurance... I think you are just screwed man. I'm sure mojo will verify all of what I said being correct. Good luck!