As insurers and other key stakeholders put forth efforts to thwart the ill effects of driving while distracted (DWD), a key question is whether laws or technology will succeed in changing patterns of driver cell phone use.

The stakes are high in finding out. More than 270 million wireless subscribers in the United States used 2.2 trillion minutes in 2008, according to Occupational Safety & Health magazine. Away from just talking on a cell/smart phone, popular functionality such as photo taking and sharing, texting and e-mail all take the driver’s attention away from the road.

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