We all see it and many of us do it – chat on a cell phone as we drive. We know it’s distracting, but we convince ourselves we can handle it. Some people now use a hands-free device, believing it reduces the risk.

“I’m able to put two hands on the steering wheel and I’m able to concentrate on what’s going on around me,” says Romell Witherspoon of Renton, Wash.

For Nemesia Ramolete of Covington, Wash., hands-free means worry-free. “I don’t feel like I’m going to hurt anybody else on the road.”

SAN FRANCISCO - On July 1, California will become the largest state to ban unlimited cellphone use by drivers. The law prohibits drivers under 18 from talking on the phone, and it requires older drivers to use a hands-free headset.

A similar law goes into effect the same day in Washington state. Legislation has already been passed in New York, Washington, D.C., and elsewhere - and more laws are pending. What's a chatty driver to do? USA TODAY reporter Michelle Kessler asked insurance and driving experts to explain the hodgepodge of new restrictions, and what they mean for car- and cellphone-loving Americans:

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