It truly mystifies me that some people refuse to use either a wired or bluetooth headset while driving, there is absolutely no disputing that it is safer to do so.
Whether it is the law in your state or not, it is your responsibility to be a safe driver. Period.
Some people can drive safely while talking on the phone. Most can't, because they dont' have the proper eye/hand/mind coordination to do so.
Personally, I've been talking on cell phones while driving for the last 6 years. I've recently switched to blue tooth/speaker setup because of the law, but I still occasionally do it. For me, its not an issue, I've never come close to having an accident while on the phone, because of the phone.
You may deem it "safer", and it most likely is for most people, but it doesn't add any safety for me. I drive with my knees, smoking cigarettes and drinking coffee at the same time. I concentrate on *driving* first, not talking, not drinking. If I drop the phone, it just stays there until its safe for me to pick it up, hell, I"ve dropped a cigarette ON MY LAP and let it burn my pants before I lean down to pick it up. Most people don't have that type of behavior, hence they cause accidents.
-Wil