Recently in a local road with tight traffic I hit a vehicle in-front of me. My car damaged and surprisingly the other vehicle didn't damaged at all, even paint (it has towing rod at back.) The Cop came and gave me a ticket with 4 points. The crash report gave me couple of options. Until this accident, my driving record is very clean. I reported the accident to the Insurance company. What is the best way to do? Since this is the first time I received the ticket and involved in a crash, can anyone suggest me the good way to proceed? --> Just pay the fine and accept the ticket with 4 points --> Pay the fine and take driver improvement course --> Go to court and defend Actually by car break failed even though Hyundai replaced those several times. Do I need to go via Lawyer?