Sometimes the law covers something, but only thinly. The law in most states in the USA(1) surely states that any damage you cause should be paid in recompense. So technically "distracted driving" is "covered by existing law". In practice this does not work out. Its easy to be in an accident that causes more damage than an individual's net worth and insurance coverage combined. If the only people allowed to drive cars were the ones able to afford enough insurance to guarantee recompense(2) in any situation, there would be very few cars on the road indeed. So sometimes existing laws need "helping", as imperfect as that may be. Society subsidizes the risk in exchange for a little cooperation to reduce that risk.
(1) Excepting all of that "no fault" nonsense that a few try to monkey-patch into working.
(2) It gets even more complicated when people die.