My young neighbour was hit...
... five years ago while stopped at a red traffic light, by a guy talking on his cellphone. He took full responsibility though, and had good liability insurance.
She was badly injured, needs constant attention, and at only 24 now her life is ruined. My wife and I see ambulances outside her house 3-4 times a year, she is in constant pain, and recently her right side is going numb.
The guy knows the continuing, probably life-long suffering he has caused, not a bad person at all, and suffers himself now.
DON'T TALK AND DRIVE.