While the most common accident caused by texting is the rear-end accident in the stop and go traffic, these kinds of accidents are usually not very serious. On the other hand, texting is particularly dangerous on the busy streets of larger cities, where the likelihood of a pedestrian crossing the street unexpectedly, or a biker swerving into your lane or a car stopping in front of you, or children crossing the street near a school is much higher than on a freeway or in smaller towns.
It is therefore critical to avoid texting while driving in the areas where there are is a lot of entertainment activity (cafes, restaurants, bars, clubs, etc...). These are the areas, where someone intoxicated can pop onto the street without thinking too much and who you can hit because you took your eyes off the street for just a few second. This kind of incident will not just be a car accident, but it will be a criminal offense on your part.