I just saw a State Farm auto insurance commercial that irks me. Guys driving and cell phone beeps(which is a guy named havoc). The phone is on the floor under the seats. Driver tries to get phone and takes eyes off road and rear ends. The tag line is if you had cheap insurance you might have to cover the losses. Hey if you're that stupid you should pay those costs. Maybe you wont do it again.
A phone call is not that important!!