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To avoid points and rising insurance premiums, hire a lawyer. Google "traffic lawyers SFO" or where ever you got the ticket. There will be dozens of firms that do this for a living and they're not expensive. For 15mph over maybe $100-200 and you never spend time in court or more than 5 minutes filling out a form explaining the circumstances. They'll contest it for you and you'll almost certainly walk away without points.
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