I was charged with reckless when caught going 73 in a 40 earlier this year on GW parkway (it was 3 in the morning and I got lost and thought I was on the highway). Long story short I went to court without a lawyer and the charge ended up getting reduced to speeding probably because it was my first reckless charge.
Good luck with your insurance.
Former e92 M3 owner
Relapsed M3Post addict
Hopefully getting back into another ///M soon (or P-Car)....P-car as in Prius.