text: The second reason why drivers should not be able to be behind the while using s phone is that insurance rates will rise. As more accidents continue to happen due to a cellphone-distracted driver insurance companies will decide to raise the prices of insurance. This will, of course, hurt many of us who may not have the money for a high insurance bill every month. However, if drivers were not to use their cellular device while driver we would not have to worry about this situation. Thus, drivers not being able to use their cellphone is a win-win situation for everyone.