Cell Phone Insurance

It has been argued that the distraction caused by using mobile phones while driving is responsible for many road traffic accidents. Several studies have shown that motorists have a much higher risk of collisions and losing control of the vehicle while talking on the mobile telephone simultaneously with driving, even when using "hands-free" systems.

Prevalence
The U.S. National Highway Traffic Safety Administration (NHTSA) reported that in 2005 about 10% of all vehicles on the road at any given daylight hour were using a mobile phone, up from about 8% the previous year.[1].

[edit] Handsets
Research indicates that using a mobile phone while driving is as dangerous as driving while intoxicated and mobile phone use while driving is far more prevalent than drunk-driving[2] Talking and driving at the same time lowers the driver's reflexes, rendering them slower to react to and avoid other drivers.
One study of almost seven hundred Canadian drivers showed a rate of collision four times higher when using a mobile phone than when a mobile phone was not being used.[3] A study in The New England Journal of Medicine reports that drivers who used mobile phones while driving were four times more likely to crash than those who don't, a rate equal to that for drunken driving at the 0.08 g/dL blood alcohol concentration (BAC) level.[citation needed]
An experiment conducted by the American television show MythBusters concluded that use of mobile phones while driving poses a similar risk as someone operating a vehicle while under the influence of alcohol. [4]

[edit] Hands-Free
Many studies argue that the increased "cognitive workload" involved in holding a conversation is the real danger, not the use of hands. [5][6][7] Several studies carried out at the Accident Research Unit at the University of Nottingham have warned of the dangers posed by driving whilst talking on a mobile phone.[8] As these studies deal with the effect of increased attentional load on driving performance, they also apply to hands-free phones, which are considered by some countries to be safe. The major problem is that the person with whom the driver is conversing cannot see the traffic situation and therefore does not regulate their level of conversation to allow the driver to concentrate when, say, approaching a junction.[9]
A study carried out by the University of Utah found that driving while using a mobile phone is "at least as dangerous as driving while over the legal alcohol limit". They also found that hands-free devices do not reduce the distraction caused by talking on a mobile phone.[10][11] According to a study published in the British Medical Journal and funded by the Insurance Institute for Highway Safety, there was only a slight safety benefit from using a hands-free phone. The study showed that drivers who use cell phones, even hands-free models, are four times as likely to be involved in wrecks involving a serious injury than are drivers who do not use cell .For miss using cell phones the insurance is been disapproved