text: Lastly, there are now legal ramifications when it comes to using phones while driving. You can have criminal penalties placed on you such as fines and tickets and depending on if you had an accident and killed someone you may face more serious criminal consequences such as jail time. Driving with a device can cause you to have higher insurance premiums because insurance rates are tied to a driver's driving history and if you get pulled over for using your phone while driving too many times, it could cause your insurance premiums to spike. Also, you can lose your driving privileges because just like your insurance, you accumulate points for your recklessness. So, if you accumulate too many, you can no longer drive. So, unless your like tickets, fines, jail time, or losing your driver's license, I suggest you wait till you get home to check you phone.