As a cab driver in my college days I sometimes drove with my knees while I balanced a soda in one hand and sandwich in the other. I had to keep moving to make any money. I had an accident-free record for the company--the only cab driver with over three years and no accident. But that could have been luck.
Now I don't answer my phone if I'm driving. On ocassion I'll hand it to the shotgun passenger. <rant>But otherwise I just think people are to wrapped up about answer the phone, no matter what, no matter who they are talking too.</rant>