New Zealand Law
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Careless driving is the least serious driving charge and you will definitely only get a fine of around $300-500. If the insurance has been settled this will not be an issue, although sometimes you can be asked to pay reparation for damage to the other car. This will also not affect your redident visa status because it is a traffic offence and not a criminal offence although it does show on your record. Doing a defensive driving course would be a good thing before you are sentenced if that is possible, but enrolling in one and showing the Jugde that you will be doing the course will be sufficient. Most people would not bother with a lawyer for a minor driving offence, but if you did instruct one for the day then it would likely cost up to $800-1,000.
Please let me know if you need any further information.
The insurance is separate from the court fine so you will need to be ready to pay the fine. That is done separately after the court case.
Sending a sorry letter of apology would help. So you would have a bundle of letters which include the apology, evidence you are doing the defensive driving course, and perhaps gete a letter from the insurance company confirming the claim is settled.
So when you go to court you will be called, and you go up the dock. there are usually a lot of cases called so listen out for yours. When you go up, you will be asked if you plead guilty, and when you confirm this, the police prosecutor will read the summary of the facts. Then the judge will ask you to talk, and you can show the judge the letters and explain what happened. You will then be fined and can leave.
Yes, that would be your best approach