"Knowing exactly how to get out of it" is why people hate lawyers so much, until they need one to bend the laws in their favor. If you only make $11 an hour and you can't afford a speeding ticket, then don't speed! If you plow into the back of somebody that was going the speed limit, are you going to tell them, "Sorry, I can't afford to pay for insurance or a ticket or repairs, so good luck!" before fleeing the scene? Based on your disregard for the law, I'd guess you probably would, since 1/4 of Florida drivers do just that.