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 ?
Answer: They are speeding .They are lying about having insurance .They are committing insurance fraud .None of the above choices .