If you ignore the cellphone ban when you drive yet worry about the risks, I have good news.
Research done in 1997 and published in the New England Journal of Medicine claimed that mobile phone-use increases the accident risk four-fold. It was based on post-incident analysis of 699 Toronto crashes and was an influential study that led to bans on cellphone use. It has since been shown to be defective.
First, it was conducted in 1997 when cellphone ownership was not ubiquitous.
Further analysis has shown early-adopters of cellphone technology (the young and adventurous) are more likely to get into trouble. Second, the study failed to account for factors such as boredom or stress, which can cause drivers to pick up their phone but may actually be the underlying factor leading to a mishap.
Third, and most damning, the data was sufficiently imprecise that it failed to distinguish between calls made immediately before and after the crash, rendering it void.