Time and place. Driving is NOT the time.
Remember back when things could wait until you got home? If something is SOOOOO important then they can call you and TALK to you (assuming that you, like me, have a handsfree device).
I've seen some really stupid stuff in the last few years, like people yacking on cellphone while backing out of parking space in a busy parking lot. I've had two accidents where drivers hit me and in one case I know the other party was on his cellphone and the second case there is no way the driver should have missed me. She rear-ended me while I was turning left. Fortunately I had about 10 witnesses, including a fire engine and fire crew. No one could see her, mainly because they were fixated on her truck running into my car, but given the circumstances it was probably a good bet that she was talking or texting, and not paying attention to the road.
That $1,000 fine can't come soon enough for me!