A man driving a juggernaut was probably using a mobile when he crashed into a truck at a roadblock, an inquest heard.
The driver was killed and 10 vehicles were damaged in what was described as "carnage" on the A417 at Cirencester, in the Cotswolds, last June.
Paul Miles, 45, from Swindon was driving over the speed limit.
Recording a verdict of accidental death the Gloucester coroner heard Mr Miles did not realise a road block had been set up to recover broken down vehicles.
He ran into the rear of a truck with a 40ft (12m) trailer, which lurched 8ft (2.4m) into the air on impact.
Pathologist Dr Keith McCarthy said Mr Miles, who did not have any alcohol or drugs in his body, died from multiple injuries.
The Gloucestershire coroner Alan Crickmore said the massive pile-up was evidence of what could happen if drivers used their phones while at the wheel.