I talk on the phone while driving. I also usually do about ten miles an hour over the speed limit. When I'm on the phone and need to switch a turn signal, headlights, or windshield wipers, I'm more than happy to use my knee to hold the wheel while my free hand does the necessary job.
I've been driving since 5-22-07. People who have been driving for years should be able to do that without causing accidents if I can do it.
EDIT -
I should note that I follow laws as guidelines, not rules. I'm more than happy to break them if I have a good reason, such as I want to talk to someone while driving or want to get somewhere faster. I obviously won't weave through traffic at 100MPH on the interstate -- that'd just be stupid, but I have no problem doing 10 over.
As far as GDL (rider restrictions and curfew), I tend to stick closer to the speed limit while breaking it. I'll rarely take more than 1 person with me, but not because of the law -- because I rarely need to take more than one person with me. I have no problem driving after midnight, since I usually stick to the speed limit after dark and our laws are so vague that I could weasel my way out of it with a simple "I'm just heading home."
EDIT -
I don't, and will not, text while driving. Anyone who does that should be pulled over and shot repeatedly by the Stupidity Police.