Cell-phone use while driving is the tip of the iceberg of accident-causing driving distractions, according to a survey of more than 1,000 drivers by Response Insurance, a national auto insurer. Thirteen percent of drivers who talk on cell phones behind the wheel say it had caused or nearly caused them to get into an accident. Overall, cell-phone usage was reported by 29 percent of all drivers in the Response Insurance National Driving Habits Survey. But the survey also found that 76 percent of drivers were engaged in one or more distracting activity while driving. In many cases those distractions resulted in accidents or near-accidents at a higher rate. “The real problem is in the drivers who seem to think they’re sitting in their living rooms, rather than behind the wheel. They’re eating, talking on the phone, listening to the radio, reading, and combing their hair – everything except paying attention to the road,” said Mory Katz, chairman of Response Insurance. The survey results also drew a picture of the typical cell-phone driver: *Men edged out women on the phone, 31 percent to 28 percent. *Baby boomers 35-44 years old ranked highest at 40 percent, compared to drivers 65+ at just 10 percent. *Drivers from Western states call/drive more than those in the Northeast, 33 percent to 26 percent. *Drivers earning more than $50,000 a year call and drive more than those in the $15,000-$25,000 range, 46 percent to 15 percent. *Parents do it more than those without children, 38 percent to 24 percent.