Cell phones and driving

Are cell phones a distraction to drivers? I believe that for some people cell phones are but for others not. People who can multi-task talking and driving or texting and driving should be allowed to. The law in my opinion should not exist; it should be a personal choice for the drivers. Only the driver knows his abilities if you think there is a danger with you driving with a cell phone then why take the risk. But for others who can multi-task, why be punished by the actions of others.