Studies of accidents while using a cell phone found that cell phone users:

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Studies have found that the higher accident rate among cell phone users is mostly due to their divided attention between driving and using their phone. Some studies have also highlighted the risk of having one hand off the wheel while using the phone, but this is not the primary reason for the increased accident rate. The use of a speaker phone does not eliminate the risk of accidents, as it still requires the driver's attention to be divided between the conversation and driving.

Studies of Accidents While Using a Cell Phone Found That