So heres the situation, got into an accident about a month ago and there's a ticket that needs to be paid by Friday. Ticket was for an unsafe left turn. 4 demerits and $115 which isn't bad but the thing is my insurance is gonna be a bitch. I called a middleman and he said that he can lower the demerits to 2pts and remove the title that it was an accident which (I'm guessing) would mean my insurance wouldn't or shouldn't go up too much but the thing I'm curious about is how would he do that since I already went through insurance to pay for the repair costs.