I was at a stop sign behind another vehicle (both of us making a right onto a 3 lane road) the vehicle in front proceeded to go. I checked traffic and felt it safe to proceed so did and when turned my head forward realized the other vehicle stopped and I hit him. He changed his mind and decided traffic was coming to fast; however, my perception was it was safe to proceed?? No injuries, no damage to other vehicle, but my vehicle has bumper/light damage. I don't believe I have ever had points on my license and haven't been involved in an accident in 30 years. Is it worth going to court for 2 points (fine is $85). Will my insurance company drop me?