You pay your insurance premiums every month so that if you or another driver is seriously injured, you are covered. So nothing seems more unfair than being injured or having vehicular damage at the hands of an uninsured motorist.

Cell phone use while driving, whether talking or texting, is a high risk behavior. Cell phone use is responsible for 636,000 car accidents, 330,000 injuries, 2,600 deaths and $43 billion in related costs every year.