On January 3, 2012, a new US Department of Transportation (US DOT) rule prohibiting interstate truck and bus drivers from using hand-held cell phones while operating their vehicles goes into effect. Businesses and individuals who operate commercial vehicles need to be fully aware of this law and its implications. There are strict penalties for both drivers and businesses found to be in violation of the rule.

Although the ruling specifically discusses interstate commercial vehicles, we have learned through our sources at the Massachusetts Association of Insurance Agents that the State Police Truck Team has indicated that they will enforce the hand-held phone device rule on both interstate and intrastate commercial motor vehicles.  The new rule will also be enforced by Federal DOT inspections and any other state or local police officer certified to do DOT inspections.

Commercial motor vehicles fall into the following categories:

  1. has a gross vehicle weight rating or gross combination weight rating, or gross vehicle weight or gross combination weight of 4.536 kg (10,001 pounds) or more, whichever is greater; or
  2. is designed or used to transport more than 8 passengers (including the driver) for compensation; or
  3. is designed or used to transport more than 15 passengers, including the driver, and is not used to transport passengers for compensation; or
  4. Is used in transporting material found by the Secretary of Transportation to be hazardous under 49 U.S.C. 5101 and
  5. Transported in a quantity requiring placarding under regulations prescribed by the Secretary under 49 CFR, subtitle B, chapter 1, subchapter C.

The following summary provided by Fleet Safety Services gives an overview of the ruling.  However, businesses and commercial drivers should read the complete ruling in order to make their own determination as to how this new rule applies to them. Links to additional information about this rule are provided at the bottom.

summary of U.S. DOT rule banning use of hand-held phones by commercial vehicle drivers

No driver shall use a hand-held mobile telephone while driving a commercial motor vehicle. (49 CFR Part 392.82) A commercial motor vehicle is defined by the US DOT as a vehicle with a single or combined GVWR, or actual weight of over 10,000# utilized in interstate commerce. (Note: Most states have adopted the Federal Motor Carrier Safety Regulations for intrastate commerce with vehicles at weights ranging from 10,001 to 26,001#)

Use of a hand held mobile telephone means: (49 CFR Part 390.5)

  1. Using at least one hand to hold a mobile telephone to conduct a voice communication;
  2. Dialing or answering a mobile telephone by pressing more than a single button, or
  3. Reaching for a mobile telephone in a manner which requires a driver to maneuver so that he or she is no longer in a seated position.

guidance:

  • This rule does not prohibit a driver from using a mounted mobile phone. which can be easily accessed from the driver’s seat and activated with a single button.
  • Driving means operating a commercial vehicle while on a public road, and when stopped in traffic on such a road. Driving does not include instances when the driver is safely parked. Emergency use is permitted.
  • The term mobile telephone does not include two way or Citizens Band Radio services, however the term mobile telephone does include mobile services which are provided for profit, have inter-connected service and is available to a substantial portion of the public.

penalty:

Drivers who violate the restriction will face federal civil penalties of up to $2,750 for each offense and disqualification from operating a commercial motor vehicle for multiple offenses. Driver is disqualified from operating a commercial motor vehicle (CMV) for 60 days with the second offense in 3 years. (120 days for each subsequent offense within 3 years) Only applies if violation occurred while driving a CMV. Additionally, states will suspend a driver’s commercial driver’s license (CDL) after two or more serious traffic violations. Commercial truck and bus companies that allow their drivers to use hand-held cell phones while driving will face a maximum penalty of $11,000.

additional information

For details, go to http://www.regulations.gov and search for the terms “FMCSA-2010-0096” or “PHMSA-2010-0227.” The following links may also be helpful.

Cell Phone Ban Guidance

Commercial Motor Vehicle Drivers: Restricting the Use of Cellular Phones – Rule FMCSA-2010-0096-0337

DISCLAIMER: This information is designed to provide accurate and authoritative information regarding the subject matter covered. It is provided with the understanding that D. Francis Murphy Insurance Agency is not engaged in rendering legal, accounting or other professional service. If legal advice or other expert assistance is required, the services of a competent, professional person should be sought. Murphy Insurance is not responsible for content provided through third party links.

Read Other Blog Posts

Pollution Liability

Pollution Liability: The Most Overlooked Coverage Your Business Might Need

Many business owners assume their general liability or property insurance covers everything, but pollution-related risks are often excluded. Pollution liability insurance helps fill that gap, covering cleanup costs, lawsuits, and damages from environmental incidents. From contractors and manufacturers to auto shops, property owners, and agricultural businesses, many industries face hidden pollution exposures. Without this protection, a single spill, leak, or contamination event could cost hundreds of thousands of dollars.
Insurance Audits

How to Make Workers’ Comp Audits Less Stressful: Tips from Our Business Account Managers

Workers’ Compensation audits don’t have to be overwhelming. With some simple year-round preparation, you can avoid unexpected costs and reduce stress. Our Business Account Managers share practical tips to help you stay organized, document subcontractor details properly, and keep your policy up to date—so audit time goes smoothly.
Murphy Insurance Team

27 Reasons to Work with Murphy Insurance Agency

For more than 88 years, Murphy Insurance Agency has been a trusted partner for families, individuals, and businesses across Massachusetts. As a family-owned and independent agency, we prioritize relationships over transactions, offering guidance and support tailored to your needs. With access to more than 25 top-rated carriers, we deliver personalized solutions, competitive options, and peace of mind. Discover 27 reasons why thousands have chosen Murphy Insurance to protect what matters most.
What Is Professional Liability Insurance and Does Your Business Need It

What Is Professional Liability Insurance—and Does Your Business Need It?

General liability insurance won’t protect your business from claims tied to mistakes, missed deadlines, or professional advice gone wrong. That’s where professional liability insurance—also known as Errors & Omissions (E&O) coverage—steps in. It covers negligence, inaccurate advice, project delays, and the legal costs that come with client disputes. From consultants and IT professionals to architects, real estate agents, and accountants, this coverage is essential for anyone providing specialized services.
Construction worker 1200

5 Workplace Safety Trends to Watch in 2025

While certain elements of occupational safety remain constant, others may change and evolve over time. As such, it’s essential for employers to stay on top of the latest workplace safety trends and adjust their risk management strategies accordingly. Several factors have been influencing the occupational safety landscape this year, including advances in technology, rising mental health concerns, ongoing remote work challenges, a growing connection between sustainability and safety, and shifting corporate culture expectations. This article provides more information on these trends and offers guidance to help employers properly navigate such developments.
Floorplan 1200

5 Risks of Hiring an Uninsured Contractor

Project owners and general contractors must thoroughly vet all contractors to ensure jobsite safety and protect against financial losses. A key part of this vetting process is confirming that contractors carry the appropriate insurance coverage. Hiring uninsured contractors can lead to serious consequences, including safety risks, legal liabilities and unexpected costs. Here are five major risks of hiring uninsured contractors that highlight why adequate insurance is essential.
Paperwork 1200

Medicare Part D Notices Are Due Before Oct. 15, 2025

Plan sponsors must provide the annual disclosure notice to Medicare-eligible individuals before Oct. 15, 2025—the start date of the annual enrollment period for Medicare Part D. This notice is important because Medicare beneficiaries who are not covered by creditable prescription drug coverage and do not enroll in Medicare Part D when first eligible will likely pay higher premiums if they enroll at a later date.
OSHA Safe & Sound Week

OSHA’s Safe and Sound Week Runs From August 11-17, 2025

More than 5,000 workers are killed on the job each year, and more than 3.6 million employees are seriously injured each year while at work. Because of this, OSHA holds a nationwide event each August called Safe and Sound Week, which promotes the importance of companies incorporating safety and health programs into their workplaces. This year, the event runs August 11-17, 2025.
Hudson Family Dental

Business Spotlight: Hudson Family Dental Providing Modern Dentistry in the Heart of Hudson

Hudson Family Dental has been providing modern, compassionate dentistry in Hudson, MA since 1988. With cutting-edge technology and a team dedicated to personalized care, they’ve earned the trust of local families for generations. Learn how this Main Street practice blends innovation with community values—and why Murphy Insurance is proud to call them a client.

Visit Our Business Insurance Page

Business Insurance

Murphy Insurance stands as your steadfast partner in safeguarding your business from unforeseen challenges in today’s dynamic business landscape. In an era where comprehensive business insurance is not just a prudent choice but a vital one for ensuring the long-term stability and security of your enterprise, we are here to offer our expertise. Running a business inherently entails various risks that can potentially impact your financial stability and reputation. Learn more about our comprehensive business insurance solutions, which are meticulously designed to protect you from these potential threats, granting you peace of mind necessary to focus on the growth and prosperity of your business.