I wonder if this could be solved (or at least made drastically better) with insurance incentives + technology. Idea would be reward drivers willing to ditch th

I wonder if this could be solved (or at least made drastically better) with insurance incentives + technology. Idea would be reward drivers willing to ditch their phones while driving entirely, by having drastically reduced car insurance rates. I'm not sure how it would work, but there would be a system in the car that would verify there is no active phone. Clearly there are a lot of details to be worked out both on the technological, insurances pricing, and privacy sides, but it feels like this could be a way forward.