text: Phones and driving is a terrible idea due to the amount of injury and danger it brings. Driving while occupied on the phone is a threat to yourself and others because your multitasking. This can cause risk because when your focusing on 2 things you may get distracted and forget about the other. If i am texting and driving and i glance down to read a text paragraph thats 3-7 seconds my eyes are off the road. Thats 3-7 seconds of disaster waiting to strike. All someone has to do is get over while im no looking or a light turn red then boom disaster strikes. And i can guarantee you that insurance won't be on your side in that situation.