But, as the article states, where do you draw the line? You could argue that someone changing radio stations was "willfully negligent." It is not up to insuranc

But, as the article states, where do you draw the line? You could argue that someone changing radio stations was "willfully negligent." It is not up to insurance companies to decide legality or enforce the law. If the driver was found to be doing something negligent or illegal, they will be fined/charged by the police.