Eh, it's only four hours. The benefits of sacrificing that four hours are more than enough to make up for the lost time. Plus, you might actually learn something.

Let me give you one word of advice in regards to traffic violations. Do not, under any circumstances, convince yourself that driving without insurance is acceptable behavior. Driving without valid insurance will get you the most severe criminal penalties for minor traffic violations. You could be looking at jail time for no proof of insurance.