Take Heed: Repercussions of Driving On "Closed Roads"

All roads in our county have been closed since Wednesday. Of course plenty of folks are driving around because they are running low on supplies. We resorted to eating chocolate cake for dinner on Thursday (okay, it was a choice; we did have elbow macaronis in the pantry). It's nearly impossible to expect people who live in a rural community to avoid driving for five days (the roads are still "officially" closed as of Sunday). So what exactly are the repercussions of driving when the state transportation department has declared "all roads closed"? I was told that if you have an accident your insurance company won't cover it! Flood victims beware: you are driving at your own risk, so don't make any unnecessary trips—essentials only, please.