8:50am and its raining. I see a police car to the right. Further on (20m) there is a woman (elderly)standing at the lights. The lights are on green. I glance down to check my speed, its between 25 and 30 miles per hour on a 30 mile an hour road. I look up and the woman is running across the road looking the other way (between 5 and 10m away from me). I both break and swerve away from her, but she contionues turning at the last minute to see me coming; she clips the wingmirror and is rotated in a spiral to the floor. The police run over and pick her up; I continue breaking and get out to check how she is? The policeman later tells me that it wasnt my fault, it was an accident and that the lady hadnt seen any car coming. 2 weeks later i get a letter saying that "it is believed that you have committed an offense" (section 3 road traffic act 1988. driving without due care and attention). Do i take the course (£130:00) or go to court (magistrate)?