It remains to be defined, but some of the technology is already there. We have driver monitoring systems. We know which device is paired to the infotainment system. That device could be physically sequestered from driver access while the vehicle is in gear (via NFC, for example).

I don’t want my car to be an arm of the nanny state. I don’t want insurance companies spying on my drives or owning my driver monitoring data. But, there could be a simple “place the connected device on this pad and strap it in while you drive” type system, that actually attempts to enforce the policy. Does it get hard once multiple people/devices get in the car? Sure. Could individual drivers just bring a second device along to defeat it? Yes. But for the average solo driver that doesn’t pre mediate their own misbehavior, it could reduce distraction without trampling on privacy or significantly added nuisance.