Many moons ago when I was 16 and lead-footed, I was nabbed doing 85 in a 55 in rural MD. The case was heard in a one room courthouse with a judge that was older and meaner than Scrooge. I had a lawyer with me who knew the judge. I got sentenced to a 300 word essay and a scowling, "Slow down, son!"
Go with a lawyer, take your lumps and grab your ankles when the new insurance bill arrives.