Hi expert law! I first want to thank any help in advance! Now let me tell you my story. Tonight I was driving home from my volunteer job. I was coming up to a four way intersection, as I came up to it the light was green. As usual I looked ahead of me and there were no cars I saw. I then continued to take the left turn at the 4 way intersection. Let me also note that it was completely dark outside, and it was pouring rain. As I made my turn I noticed a black SUV going straight he immediately stopped, I also noted what I saw him having no headlights on. After I made my turn I noticed a cop was sitting behind him and pulled me over right after he saw me do this. He then gave me a citation for failure to yield going left for $88 and 4 points off. I'm 17 years old, and had my drivers license for 11 months. This is also my first ticket I have ever gotten! The officer said he was also going to add a note that it was raining hard and that might of been why I was confused. Now here are my questions:
(1)- I plan on fighting this in court because I feel like I had no way to notice the driver until I finally made the turn. What are my chances of getting this ticket dropped or receiving a lesser charge (the officer said I might be able to get the points removed)?
(2)- Do you think my insurance rate is going to sky rocket now that I got a ticket and that I am only 17 years old?
(3)- Do you have any other suggestions of what I should do?
Thank you again VERY much for any help, it is greatly appreciated.