Let me start off by saying, YES I am a terrible a driver. In 2012 I had a dip class for a pretty bad accident. Then I got into a wreck last year that I did not receive a ticket and we got sent to a collision center. And unfortunately, today, I was late for work and rushed out of the gas station and I scraped another car. It was 100% my fault, I wasnt paying enough attention, and I can admit that. I received a ticket for failing to yield with accident. As you know, you can either just flat out pay the ticket or go to court. I'm wondering which I should do.

Either way its going to effect my insurance. And either way I'll have to pay. I'm leaning towards just paying the ticket.