4.61 A state has a law requiring motorists to carry insurance.

It was estimated that, despite this law, 6.0% of all motorists in the state are uninsured. A random sample of 100 motorists was taken. Use the Poisson approximation to the binomial distribution to estimate the probability that at least 3 of the motorists in this sample are uninsured. Also indicate what calculations would be needed to find this probability exactly if the Poisson approximation was not used.