At the beginning of this month, the state of California introduced its controversial “Hands-Free” law, which fines drivers up to $175 for using a hand-held cell phone (as opposed to a “hands-free” headset to talk on the phone) while operating their motor vehicles. According to statistics from the handful of states that have already started enforcing such laws, this new regulation might reduce the number of automotive deaths per year by up to 900. Now, the California Department of Insurance is starting to test the effects of the law. If the lawmakers’ optimistic prognosis pans out, California auto insurance policyholders might stand to benefit from reduced rates.