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I would contest it based on lack of facts that they did not have.
The need to clarify what "driving too fast for the road conditions." While you may not have any idea what speed you are going, forensics if they were done at the time of the accident would tell what the speed you were travelling was based on skid marks.
While you did not expressly tell them what your velocity was, you need to challenge them since it will be money out of your pocket. There is no double penalty that I know of for challenging them.
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