When is it legal to use a cellphone without a hands-free device while driving?

When making a call for emergency assistance.
Never.
When making a call while stopped at a red light.
Explanation

Using a cellphone while driving significantly increases the risk of accidents by diverting attention from the road. However, the law allows an exception for making emergency calls. In situations where immediate assistance is needed, such as reporting a crime, fire, or medical emergency, drivers are permitted to use a hands-free phone or device.

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