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Using a hands-free phone is likely to

A divert your attention

Talking to someone while you're driving can distract you and, unlike someone in the car with you, the person on the other end of a mobile phone is unable to see the traffic situations you're dealing with. They won't stop speaking to you even if you're approaching a hazardous situation. You need to concentrate on your driving all of the time, especially when dealing with a hazard.