It doesn’t matter if you hold the cell phone in your hand and talk while driving, or have hands-free access to talk all you want; both ways may cost you your life.
No matter which way you add it up, yakking on a cell phone held in your hand or one that happens to be hands-free still amounts to a deadly distraction. All it takes is one split second of not paying attention to your driving and you could wind up in a very nasty accident.
Consider the case of young John Stenner, on his way home from picking up a car with his tow truck. He had hands-free cell phone access in his truck. While talking on the phone to his base office about his next pickup, he was too distracted to see the semi heading his way and coming through the intersection. John died at the scene of the accident.