[ShadMan]

The cell phone (talking) part is BS, as is the denial of insurance coverage:

Louisiana: Cell phone laws, legislation

Last updated: August 12, 2010 · Print this report

Cell phone, texting news: A law that upgrades Louisiana’s existing text messaging ban to primary enforcement goes into effect Sunday, Aug. 15. This means police can stop and cite drivers for that violation alone.
Legislation that would have outlawed handheld cell phone use by all drivers again failed in the House in 2010.

Current prohibitions:

• Text messaging banned for all drivers. Fines up to $175 (first offense) and then $500. Primary enforcement begins Aug. 15, 2010.
• Drivers under 18 years old may not use wireless devices — including cell phones, text-messaging units and computers — while operating motor vehicles. Primary offense as of Aug. 15.
• Drivers with learner’s and intermediate licenses prohibited from using cell phones unless a hands-free device is attached.

2010 legislation:
Louisiana Senate Bill 9: Upgrades the existing law prohibiting text messaging to primary enforcement status, meaning law officers can stop and cite violators solely for that offense. Also applies to ban on use of wireless telecommunications devices by youngest drivers. Fines would remain at $175 (first offense) and then up to $500. Insurance company notification of offenses. (Louisiana Act 203)