Explain to Me Again How Cell Phone Bans Will Improve Automobile Safety

I've already explained that the increased use in cellular phones is not responsible for automobile accident rates in the United States as cellular phone usage has increased drastically while the rate of accidents has decreased. Now the Insurance Institute for Highway Safety are brining up the fact cell phone bans accomplish nothing (except increase revenue for police departments of course):

Cell phone bans, such as those recently recommended by the National Transportation Safety Board, have so far proven useless when it comes to actually reducing car crashes, according to the Insurance Institute for Highway Safety.

The Insurance Institute is a private group financed by auto insurers. The National Transportation Safety Board recently recommended that states adopt strict rules banning all non-driving-related use of hand-held devices such as cell phones -- even hands-free -- while driving.

Many states already have bans on hand-held cell phone use and on texting while driving. The Insurance Institute has studied crash rates before and after bans were enacted in various states and also compared them to crash rates in nearby states with no such bans.

While the bans have resulted in actual reductions in phone use, they have not resulted in any reduction in crash rates, according to the Institute.

Since insurance companies are the ones who end up paying out when automobile crashes occur I would say their best interest lies in advocating any restriction that reduces the rate of crashes. In other words it would be in their best interest to find the exact opposite of these results so any accusations about these results being skewed because of the "evil greedy corporations" need to be backed by some pretty hard evidence.

Seeing these results we're forced to consider there is a different cause for auto accidents. Perhaps some people are just bad drivers and if they're not distracted by their phone they'll find something else to distract themselves with. Of course this study will be entirely ignored by various state government and our overreaching federal government because, damn it, we have to do something!