Take it to court. 70% of the time if they think you took the trouble to fight it, you may not be guilty. Or, take the fine and the 6 years of insurance surcharges that will end up costing you hundreds. No need for a lawyer either. Be honest and tell them you made a mistake, (if they ask). Many times they will give you a not-guilty to save paying the cop overtime to testify, but most courts do not require the cop to be present (to save a buck) unless it goes before a judge.