text: Why text and drive if it's twice as likely you crash if you're driving while on the phone? Studies from Drivingtests. org show that those who text and drive are 23% more likely to be involved in a car accident. You are quite literally forcing yourself to pay the price for making the mistake of texting and driving. Crashing not only increases your car insurance, you also have to pay to fix your car. I feel like it's important to know that after you texting or on a phone call and get in a crash because it was your fault you will pay for a lot.