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The short answer is it depends on your insurance company. Some do and some don't; most do not.

My qualifications: I am an independent insurance agent in CA.

ADDED: It may well do where using a hand-held phone while driving is illegal, as it is here in the UK. As you say it would depend on the insurer, but in the event of an accident it could at least void the claim if not the policy.

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Q: Will a talking on the cell phone while driving ticket affect your insurance?
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