VIDEO TRANSCRIPT: Don't ever talk on your cell phone or text while you're driving your car. Kentucky and Indiana both - it's against the law to text while you are driving your car. You are allowed to use your phone, but it's best to use it with a Bluetooth speaker device, so you can use hands-free and not be totally distracted.
But, if you are talking on your cell phone, the insurance company may way want to subpoena your cell phone records to try to put some fault on you. We often use what's called comparative fault -- meaning that fault can be a portion between two drivers. So, if you're hit by a truck for example, and you're on your cell phone, they may be able to a portion some of the fault to you to reduce your damages.