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Thank you for the information and your question. You might consider hiring an attorney for the ticket. I say that because they may be able to successfully challenge the ticket and get it dismissed or a not guilty finding based on the facts, once they can gather all of them. That could help you some with any civil suit that might be filed.
All that said, you have insurance for a reason. Even if you are sued, your insurance company steps in for you to defend the suit and attempt to settle it. Assuming you have more than the bare minimum liability coverage, your policy limits are usually enough to satisfy any injury suit. In other words, the other party would usually just settle for policy limits (or less if you have really good coverage and their injuries were minimal), especially if you have no real assets for them to pursue if your limits were low. So, although it never feels good being sued, your insurance company is responsible for defending and settling the suit within your policy limits, so you do not need an attorney for the civil side. But again, it wouldn't hurt to go to an attorney who handles traffic tickets and see if they think they can get this dismissed.
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