A hot public national issue that has personal liability implications is that of texting while driving. It is estimated that 87% of people within the United States currently own a cell phone. In 2008 there were over 110 billion text messages that were sent on cell phones. The texting while driving laws vary by state. Currently there are seven states that have statewide handheld bans. There are 18 states have texting bans on all drivers. Cell phones used by school bus drivers are banned in 21 states. The cost of a ticket while driving when texting can range from as low as $20 for a ticket to $500 for a ticket for first-time offenders. Currently there is no federal mandate it has mainly been state and local governments that are passing the legislation against texting while driving. click this link
If you are texting while driving in your personal car while on personal business then your private automobile liability insurance would respond if you are involved in an accident. If you are driving while at work or while on business for your job and you are texting while driving, this can create both personal and business liability exposures for you and your employer. This is especially true if there are state mandated laws prohibiting texting while driving.
In some states if you cause an injury or death while texting while driving the punishment can be a fine up to $10,000 and up to 15 years in jail. Currently there are a plethora of software programs that can be added to one’s cell phone to automatically take a message and text message the caller that you are driving and you will return the car to call as soon as possible.