I'm being charged with Reckless Driving . . .

Again as a driver you must be aware or your surroundings. You sound like a driver who backs into a tight dock with his windows up, radio on, and uses the throttle because idling in reverse is way to slow.

 

Actually yes you are insured. Coverage was in effect when the incident occurred. The company is on the hook for whatever claim exists.

Seeing your follow ups, I'll chime in and say what @gentleroger did, and add something I made a good friend mad about when he was rationalizing an overhead strike he did on an oversize (14-6 tall if I recall correctly) that took down an overhead sign. Ultimately you're responsible for making sure your truck and load will clear obstacles. Period. Once in a while you might get out of it in case of improperly marked clearance, or on a designated truck route (to 13-6 of course), but you were the one that made the decision to move on it. Regardless, even in the event you're not at fault, who has time to crash into things then deal with the outcome?

If you've been driving more than a day, you know what "too low" looks like and use caution. Creep up to it and then get out and look. Obviously you didn't think you needed to, probably expecting a minimum height clearance that almost made it. Maybe once you set up on the shoulder you might have seen the wire even with the lip on your roof? Who knows? I get it, and have done so myself once to my detriment. Fortunately not as bad as what you did LOL.

Mine involved tearing up a bit of chain link fence with a trailer tail in a shipper's very small yard, also turning around. Didn't hear or feel a thing. I could see the tail and fence out the passenger window and did not see the fence move. Nonetheless, I was at an extreme enough angle that the trailer momentarily tracked backward a foot or two and snagged the fence in two small spots. The adjacent property manager that owned the fence saw me do it and came over. The marks in the dirt on the back of the trailer confirmed it. After the lady calmed down after venting about all the trucks hitting her fence and running off, we talked it over. A couple weeks later she emailed the bill from the fence company, maybe $200 or so, and I returned a check.

I didn't think I needed to get out and look.

Rub some dirt in it, walk it off, and don't do that again.

 

I'm not trying to attack you, but I've dealt with too many drivers who clip things with their overhang while trying to get turned around in a tight spot. They never think they were close. I had one swear up and down he wasn't within 10 feet of the jersey barrier that he hooked, but the video doesn't lie.

 

Because you…

1. Touched the wires.

2. Kept driving until you pulled the wires to the point that they snapped a pole.

And…

From the pictures you yourself posted, you made a uturn on a road that was to small to accommodate such uturn.


Quick question, how many feet wide was the asphalt road surface where you made the uturn?

 

Arguing it is pointless. It is not a Swift Safety group meeting...is it? Who has never had to make a U-Turn on a road, raise your hand now!
Technically, U-turns on a road are more often illegal than not. But we, people of real life, know that, legal or illegal, U-turns happen and sometimes they're a must do thing because otherwise you'd run onto a bridge with 12 feet clearance or 5 tons of weight limit, or at best go up 25 miles to a Smallville and still end up making a U-turn at a Amish backyard.
Focus on getting a lawyer who would change the violation to something smaller. The way it is done, a DA or a judge could agree for an amended infraction for as long as it carries the same financial burden. The insurance will take care of the damage but your own finding a lawyer will take care of the ticket. The chances are that you might have the infraction changed even to something that does not go on your record, or let's hope so. .