We have a law concerning mud flaps, flares, and aprons? Those may be on the books but in my experience, they are very rarely enforced unless you are:
1) totally obnoxious, or
2) you actually put a rock through someones windshield
Number two most definitely exposes you to some liability issues but suspect most insurance would probably still have you covered, at least for the initial event.
I have a lot more tire exposed than is legal on my 3B and cut down some of the spring shaft mounted semi flaps that slip into sockets on the rear bumper. I ran it with those and just took them off for trails, but eventually just left them home and that was about 7 years back. No problems to date.
1947 CJ 2A, 1949 CJ 3A, 1955 CJ 3B, 1968 CJ 5, 2012 JKUR