Driving While Stupid - An Open Letter to Senate & House Reps, as well as all Insurance Companies

The number of people driving while talking on the phone, texting, reading, looking for something they dropped, et al is not acceptable. Current laws are not a deterrent since the small number of police we have are occupied with other duties and heaps of paperwork. This problem will only continue getting worse. I would like to see a bill mandating all insurance companies cover only a percentage of a crash when that crash was caused by their customer, and that customer was using a phone at the time of the crash (or evidence of any non-driving-related activity can be proven by video or witness testimony). There must be a serious deterrent in place to cause behavioral change. Yesterday someone stopped dead in front of me - in a 45 mph zone - because they missed a left turn, one which offered an ample left turn lane provided for the purpose of avoiding such incidents. As I then passed that person in the right shoulder, rather than rear-end their car, I was not surprised to see the driver speaking into a cell phone - held in front of his face, presumably using the speakerphone, as if that allowed him to remain focused on driving. Last week a very erratic driver on 146 south was driving in the left lane at 45 mph in a 65 mph zone. As I passed on the right to get far away from, and in front of, this person I witnessed a teenage driver staring at his phone & texting, while trying to drive - on a highway! Everyday I see people wandering, drifting, slowing and speeding as if they are on drugs. But most of the time they are texting, talking, reading or otherwise staring at their phone. This selfish idiocy must be stopped!!! Nothing & no one is so important as to necessitate endangering everyone else on the road.