It is always a good idea to hire an attorney. That being said, you have to make a cost benefit analysis. You might want to go to your first court date and try to speak with the prosecutor and explain that due to traffic conditions you were not able to move over. See if the prosecutor might be willing to change the charge to a non-moving violation or something that will not go on your drivers license history. If the prosecutor is unwilling to change the charge you can always request to have your...
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This is called a scribner's error and can be corrected by the officer or prosecutor in court. It will not automatically result in a dismissal. You always have a chance to have the speed reduced but it depends on the facts and circumstances of your case as well as your past driving history.
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You can typically call the clerk of court and get your case re-set but you will probably have to pay court costs to get the case reset. Some judges have a "catch all" calendar where people who have missed their court dates can show up and resolve their cases. Your case may already be in license suspension status and/or a bench warrant may have been issued. It is important to address this issue as quickly as possible.
You may want to look up the Kellie Blue Book value of the car and boat. Try to provide photos and other documentation such as the value of similar cars, boats and trailers to your attorney or the insurance company supporting your opinion of the value of the car and boat. You can also get appraisals from experts in an attempt to show the true value of your loss.
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I would contact the Court and tell them about your employment situation. Try to make contact with the Court before the Court makes contact with you. Some jurisdictions will work with you if you can show that you are making a good faith effort to pay. The longer you wait without taking any action the greater the risk the Court will take some action. See if you can obtain a free consultation with an attorney in your area that is familiar with this Court.
I would consult with an attorney first. You can always file a claim, but generally the at fault party for the collision will be the party to that has to pay out damages.