The only way to get people's attention is to allow insurance companies to deny coverage if a driver can be shown to have been texting during an accident. With "black boxes" in autos and the date/time stamp on phones it will be easy to prove. Coverage for damage/injuries to others would still be covered, but if a distracted driver totals his car - tough! This would both provide an incentive for idiots to stop driving and texting and lower rates for those of us not so stupid.

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