There is one really really good reason this would never happen to me....I blast my stereo and can't hear the phone over Meatloaf, Nickelback, Aerosmith, Pink Floyd, or anything else I listen to.

However.....I'd tell them fuck off, hang up, and then jump out of the car.

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"BOY: On a hot summer night, would you offer your throat to the wolf with the red roses? GIRL: Will he offer me his mouth? BOY: Yes. GIRL: Will he offer me his teeth? BOY: Yes. GIRL: Will he offer me his jaws? BOY: Yes. GIRL: Will he offer me his hunger? BOY: Yes. GIRL: Again, will he offer me his hunger? BOY: Yes! GIRL: Yes. BOY: On a hot summer night, would you offer your throat to the wolf with the red roses? GIRL: Yes. BOY: I bet you say that to all the boys!" -Meatloaf