Drivers enrolled in the Progressive Snapshot program (who voluntarily installed an app that monitors their driving habits) are spending >10% of time on their phones. For an average commute, that would be over 100 hours of phone-while-driving per year. I really hope this is the "bad group" and not a representative sample.

Radical proposal: These people should be incentivized straight off the road. They should lose their insurance and possibly their license.