I rarely talk on the phone while driving. Actually, never. If I have a voicemail message, I would always pull over and park, then retrieve my voicemail messages.
Crashes can happen even when you're eating in the car. I've been in a car where the driver was snacking away, reaching for the food and we nearly hit another car infront of us. Not fun!
Anything that is distracting takes away your focus from driving.