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There is a difference between taking a quick call to update you on a situation and taking multiple calls, dialing, etc. on a phone. It's not the guy getting the call from the wife telling him to pickup milk on the way home, it's the people dialing, arguing, having in depth conversations, etc. I've investigated accidents where the passenger distracted the driver or the kids, or the guy who rides with the dog in his lap, or any of a number of other distracted scenarios. Maybe you're superhuman and have the ability to concentrate far beyond that of mortal men. Maybe. All know is that 98% of the people out there, and I include police, firemen, EMS, etc., can't do multiple things at at the same time as they drive. We had 2 young Troopers recently out of the academy that both got in accidents with Troop cars at the precise same moment. They were best buds and while it was never able to be proved they were gabbing on the phones, (this was some years back when they were fairly uncommon), it was pretty obvious that's what was going on.
I know I can take a brief call and not have problems. I also know that I have enough problems without taking calls that it's in everyones best interest that I pull over to a safe spot to take it, especially if there's directions, instructions, etc. that need to be paid attention to.
The odds are against anyone doing too much at once and trying to drive. I used to be able to drive 125mph with lights an siren going, dodging cars driven by people with cranial/rectal inversions, making it through red lights safely, all while talking on the radio and giving and receiving updates and instructions from multiple sources, often a night or in inclement weather. I never had an accident doing that. That doesn't mean it's a good idea to do that on a regular basis. The odds were sooner or later I'd kill myself or someone else.