i am more surprised you didn't fight the case. The police believed a "young" driver who does "not wear a seat belt" and who is coming from "the other way" He believed that she can somehow, from her, at most, 2 years of experience, be able to determine that you were speeding.
Yea right.... I would fight this case to death.
We are talking about insurance rates skyrocketing if you take blame for this.
I would say she is unable to make this judgment, has no basis, and is completely unbelievable.
Your immediate concern shouldnt be getting the next car,it's how to protect your reputation.