in this case I am just relaying what I heard from some owners of construction / remodelling companies; drivers / workers with a citation for phone use had to pay either 50 or $125 or something along those lines, but were finding out that employers could not or would not hire them due to the insurance costs as a result. Just an anecdote, but I have not known my source to make such stories up (and it would have been strange to do so in the context of the conversation anyway).