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I'm sure the owners auto insurance would cover it with a waiver of liability. A wheel skirt is really safe, really light plastic, and if ejected from the car would only put a scratch in a car that hit it. Most likely it'll just be run over a couple of times.
The only thing to worry about is designing a mount that if it touched the tire (unlikely) would not puncture it. Our guys have been known to mount strips of metal. Though effective, a plastic mount with plastic screws would be safer.
I'd buy a pair of front wheel skirts for a 2000 Insight! You make the skirt, i'll design my own mount.
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I try to be helpful. I'm not an expert.
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