Picture this -- I am driving along being very alert because traffic is heavy on the interstate. We have to start slowing down, when BAM --my head jerks back and hits the headrest, stuff is thrown forward, etc. I was struck from behind. Why? Because the guy behind me was reaching for his cell phone and not paying attention. I learned several things - my seatbelt DOES work VERY well, and always call the cops. You guessed it - no insurance and a suspended license. It also reaffirmed my belief that there is no call that can't wait until you are parked.