LMAO. While you technically may be correct about the insurance, sounds like you don't have much experience with yokel Southern sheriffs. I've been lectured a time or two from them about complete non-violations that were annoying AF to get out of. Jackie Gleason's character in Smokey and the Bandit was based on a common, very real stereotype. And God forbid you have to drive through Arkansas. Their State Troopers do NOT mess around for whatever reason. Avoid at all costs if you can help it and if you do go through there, don't speed.
EDIT: I STAND CORRECTED
That's hilarious. So you should know I speak the truth then! Those guys will find any excuse to jerk you around, so I don't risk it when travelling interstate across the South.