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I'm suprised that insurance is even going to cover you. Most insurance companies will only cover you if you can legally drive. You are screwed either way, there's no way in hell you should have been driving. Honestly, I don't care how easily they let you off the first time, it was stupid to do it the first time, and even stupider now. For you to rear end someone, it's your fault 100%. You should never be that close to someone for that to happen, and that's why you should have an experienced driver in your car to let you know you're driving like a moron. There's far more things that you should have been charged with. This is the first time I believe that someone shouldn't get a court date. You deserve to get fully punished for this. Do you really think you're going to learn if you get off too easily this time also? It's time to get yourself a bus pass and a bicycle. Grow up and get your license in about 10 to 15 years or move to Toronto where you can take a go train or subway! It's people like you that give us younger guys a bad name and cause our insurance to be so high. BUT there's no way that your insurance should be able to do anything until after the court date. You're at least lucky there. Also, of course your lawyer is going to tell you to drag it out... the more time he spends with you, the more money he gets! He doesn't give a shit about you.
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