Context: I just got pulled over an hour coming back from a show in Irvine and I was less than a mile away from my place when I got pulled over for going 97 MPH in a 65 zone . Yeah I know stupid but my question is what will happen and how much is it going to cost ? I do have insurance but I was not able to find my insurance card at the time because this is my first ticket . I have had a clean record with from 5/12/2006 and get hit with this thing .
Question: Why is the narrator legally in trouble ?
Option 0: They are lying about having insurance .
Option 1: They are committing insurance fraud .
Option 2: They are going to fast .
Option 3: None of the above choices .
Answer: 2