I get people in all the time who have had an accident while texting. The fact is your are driving a 2-3 ton machine that requires constant adjustments. Human beings are simply not wired to do 2 or 3 things at once.
What could be so important that your need to respond immediately?
Modern cars are more expensive to repair. If you think having a conversation is more important than saving money on insurance and car repairs then go ahead a text. These days if you have an at fault accident your insurance company will increase your rates for 2-5 years.