Just think how does Hollywood get all their shots flying over moving cars... not counting the CG stuff? Waivers?
I know I’m going to get flamed for this but I think people way over think some of this stuff.
If Hollywood needs THE shot, would it be safer with their drone or a full size helicopter getting the shot? And yes I realize they use closed course for the crazy action shots...
I’m not sure exactly what your end goal is, but you can always zoom in post to make the drone appear to fly close or over the moving car, and speed up the footage to appear to be moving faster than you are.
Certainly don’t turn any damage claims into your auto insurance company
107.39 says not to fly over people unless the are in a stationary vehicle.... use some creative editing to achieve what you want.