Couple of points:
If you don't wear seatbelt then that is your own lookout, but clear evidence use of hand held mobiles results in many accidents etc - so if you get caught then tough. It always strikes me as hilarious that idiots in cars worth £10,000 and upwards don't have a hands free kit and most new cars have bluetooth...so dont use a hand held device.
Last year I was flashed going through a red light. To keep my licence clean I opted to go on an awareness course. The instructor told us a tale of one driver who knocked a cyclist off his bike and unfortunately killed him. The interesting thing was the cyclist was the one who drove through the red light, but because the car driver was talking on a hand free kit he wasn't driving with due care and attention. The car driver was jailed!
So I won't even use a hands free kit. If my phone rings when I'm driving I ignore it, and check it when I have pulled over AND switched the engine off.