It all boils down to individuals and their skills and talents. Many people can drive quite well using a cell phone, others can't even stay in a lane if they are talking to another person in their car, let alone while holding a phone. Hands free doesn't make a difference, it's not holding the phone, it's the distraction of holding a conversation and driving. I drive a lot, I see it all also. Saw one tonight, a person cut across a divided highway right in front of two oncoming cars. Don't know how the cars missed the idiot. This particular road seems to have an accident every week because someone is too impatient to wait for traffic.
Where I live, we have a problem with truck drivers going to fast. In the last 10 yrs there has been over 10 trucks overturned within a mile of my house, all but one hauling powder cement from a local plant. The other was hauling coal and overturned in my neighbors driveway. Two of them died. The last one overturned in a 30 MPH zone, the driver died and his accident destroyed a house. They have wiped out the side of a bridge near me at least 2 times. One of these accidents just missed hitting my son's school bus.