LOL..I didn't know it would be quite the popular thread. After thinking thru all the great comments x-Tango's jerk reply (and I mean that and why I asked here).... we did call prior and did the math.
Court fees plus an extra couple of hundred extra bucks guaranteed vs, just pay the fine and see what the insurance is a year from now when it is due to be renewed. And by then the points will be close to coming off. 2 pts really isn't that big a deal. Otherwise clean record so we will see. Worst case a break even with deferred expense for her. Chance of no further increase over the $230 ticket if insurance let's it slide.
She decided to pay it online that afternoon and not bother going to court. (yes I am sure that her nerves played a part as well).
A bit anti-climatic for the story but I think a good decision.
(Here's the FanuSanu version: I was scared to death as a 58yo guy that I was unable to have a polite and professional chat with the prosecutor so I talked my daughter into bailing ..lol)... just having fun. I got your points but you have to trust I am not a dope. (most days)