Stuck in Dickinson, nd

I believe licensing and insurance are administered by each state. I’m not sure there are Federal laws governing cars, drivers licenses or insurance.
NO LICENSE , THE INS. COMPANY CAN AND WILL MORE THAN LIKELY " not" PAY OFF, IT`S THEIR WAY OUT! i THOT THE GUY WAS DRUNK WHEN HE FIRST WROTE THE POST !.---LOL