Tough break, man. I'd suggest talking to your insurance agent, telling them your side of the story, and see what they recommend that you do. They may have investigators that can help.
Otherwise, you may need an attorney to straighten this out if you truly feel you were not at fault. Of course, that is going to cost more than the ticket but your driving record will be spared. Unfortunately, you're between a rock and a hard place... You can try to represent yourself in court, but that's not always the best idea.
If you want to try, here's a web site with some tips for fighting undeserved traffic tickets.
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