<human>: Summarize the given text in a few sentences.

I'm from New Orleans Louisiana. A month ago I got into an accident. The person infront of me came to an abrupt stop and I couldn't stop in time. I was a good distance away and I feel like it was my old cars crappy breaks that couldn't stop in time. I ended up hittting the other persons car and breaking their back windsheild, but not much else. was charged with failure to yeild and driving to close. I know I followed my drivers ed rule (always drive at least 2 whole seconds away from a car)  but I was charged with driving to close. The ticket is $445 which isn't that bad but I'm 19 and can't really make that right now. 
So is it worth it to plead not guilty or should I just ask for a payment plan or get a loan?
<bot>: Got into an accident because my old car couldn't handle being break checked. Charged with driving to close and faliure to yeild. Should I plead not guilty? Do they allow me an extension?