Need Help For First Speeding Ticket + Fail To Have Insurance
Hello,
I was hoping i could get some advice about my first ticket.
I was stopped yesterday for going 58 in a 40 zone (I was shocked as I always stick to no more than 10 above, i'm very particular about it)
In 13 years of driving, i have never been in an accident nor had a speeding ticket (no warnings either), i haven't even had a parking ticket.
I provided the police officer with the required documents, and when he came back he said my insurance card is not valid. I checked and it was my last one which had expired 3 months ago. I figured I may have swapped them accidentally when cleaning (i couldn't find the new one at home but called insurance to send a new set of my current insurance).
So as a result I received two tickets, one for speeding, the other for fail to have insurance card.
I told the officer it was my first offence and I did not know what to do, he told me to select option 3 and when i go to court he will help me and reduce the speeding ticket to 50 which would not affect demerits.
Im guessing the above advice by the officer is for the speeding ticket. How does this work? Should i do it? Do i get to talk with the officer before the seeing the prosecutor? what if he doesn't show, how do I explain why i'm there?
What do I do about the 'fail to have insurance card' offence? Does this impact my insurance? Should i do option 1 (plea guilty). do the early resolution option (2), or do a trial as well? Can you take both offences to trial at the same time and get them resolved/lowered?
Sorry i asked so many questions, this is really stressing me out.
Thanks.