A couple of years back I was told that in a business travel situation where life and accidental death coverages normally doubled for employees directly involved in an accident, corporate insurance did not pay for any employees in that vehicle if it was shown that the driver of the car was using his phone at the time of the accident. Using bluetooth is bad enough, as it distracts the thought process and takes attention away from the road, but texting is simply stupid. It's amazing how many teenage kids I see driving in urban traffic steering with their elbows with thumbs flying, and that's with an ordinance against it so they can be ticketed....