You have two issues. You have the charges in Municipal Court which must be addressed. The outcome in the court must be covered by a 'civil reservation' so that the outcome cannot be used against you in the civil case or by the insurance company. You can have a trial or you can negotiate a lesser charge in court if you have a great driving record and no one was badly hurt. Please call. Ed Dimon 732-797-1600
Answered on Dec 20th, 2015 at 5:06 AM