Not Ranked
I believe in New York there is a no cell phone at all by driver ban? I am sure someone will correct if I am wrong. I like that law best of all!!!!!!! I can't begin to count how many times I have avoided being hit by someone on the phone.
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20mph is not fast, unless you are doing it in a 3/2, 1000sq. ft. house on 10 ft. waves! 
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