Are you the owner of a business with a fleet of drivers, do you only have a couple of trucks on the road, or are you a commercial driver? If any of these scenarios describe your profession, then you need to be aware that the FMCSA and PHMSA are constantly amending the Federal Motor Carrier Safety Regulations and the Hazardous Materials Regulations to restrict the use of hand-held mobile telephones by drivers of commercial vehicles. This tightening of rules is meant to improve safety on the Nation’s highways, but will also affect your drivers, and consequently, your New York commercial auto insurance.