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Motor Vehicle Legal Terms Motor vehicle laws vary greatly from state to state. In general the law, it assumes that a vehicle is being operated with its owner's permission. The mortality rates are affected by laws that increase penalties or make revocation automatic or target social hosts. Mandatory education, alcohol treatment, and interlock devices all have little effect. Legal Definitions State laws regulate the legal terms used by motor vehicles. The federal definitions for national standards for fuel economy and licensing requirements for commercial vehicle drivers are primarily administrative, and they do not have any effect when states establish their own classifications for registration. These vehicle registration classifications determine if a driver needs to get a license specific to operate certain kinds of vehicles. The state laws define the terms “automobile,” “light truck” and other. As an example light truck, it is any motor vehicle that has a capacity of carrying less than 7,500 pounds. This excludes pickup trucks and panel delivery trucks. Also, it excludes any vehicle or combination of vehicles intended to transport passengers or property entirely within its own structure, including trailers and manufactured homes. A wheel chair conveyance is a device with wheels. It is usually used by those who have physical disabilities that make them cannot move about as pedestrians. motor vehicle accident attorneys lancaster moped is a motor vehicle with no more than three wheels that come into contact with the ground. It can travel at speeds not more than 35 miles per hour. A pedicab, also known as pedal-driven vehicle, is one that is driven by the driver sitting on the top. A person who owns the legal title to a vehicle is known as the owner of the vehicle. Traffic Laws Typically, each state has its own set of motor vehicle laws, which deal with everything from the registration process to insurance requirements. They also regulate the types of vehicles that are covered by the law. Some of these laws are identical across states, while others vary considerably. There are laws that limit how many people can be transported in a pedicab. There are laws that prohibit reckless driving on certain types of roads, like a parking lots. Anyone who drives a motor vehicle in violation of these rules could be punished with fines and penalties for violating these laws. Penalties can include getting your license suspended or having to take a traffic class. One of the most important laws in a state pertaining to vehicles is that which governs the speed limits put in place on the roads. In New York, for example it is stated that the speed limit for a commercial vehicle is identical to that of an automobile. It also defines a “motor vehicle” as any vehicle, carriage, or other device that is powered mechanically and used on the highway to transport people or property or for commercial purposes. The law does not apply to trailers, coaches and semitrailers, all-terrain and snowmobiles and motorized mobility assist devices that are operated by people with disabilities as well as self-propelled corn and hay harvesting machines. Insurance A motor insurance policy for vehicles is a contract between the insurer and insured that covers financial loss due to liability for bodily injuries or death, property damage to a third party, arising from ownership, operation, maintenance or the use of a covered automobile. It can also cover physical damage to the vehicle. It must contain the name and address of the named insured, the coverage afforded by the policy, the amount charged therefor, the period of effectivity and the limits of liability. It should also contain an agreement or endorsement that the insurance coverage is provided in conformity with the coverage described in respect of injuries to the body, death or property damage and is subject to all of the rules of this chapter. The language in the motor vehicle policy could be confusing to anyone, and Duncanville law firms typically recommend that individuals review a sample policy to fully know the terms. One of the biggest areas of confusion is the definition of “motor vehicle.” The phrase appears often in statutes that govern the registration of vehicles and financial accountability laws. Some examples of coverage provided under the motor vehicle policy are commercial auto insurance for vehicles that are used in connection with commercial, business, activities, employment or occupations that are conducted for profit; auto liability insurance that covers MP and PIP, and uninsured and underinsured motorist coverage (UM/UIM). This type of insurance is required in many states. Permissive Use If someone other than the named insured or a family member drives your car and gets involved in an accident, it is important to understand the way insurance coverage works in these scenarios. This is known as permissive utilization. The specific terms of your insurance policy may differ, but the majority of large insurance companies offer this type of coverage. It is crucial to remember that you are liable for any damage caused by a driver who has your permission. Permission may be granted in the form of a written statement or implied, and it typically does not need to be recorded. In determining if there is an implied permission, courts consider the relationship between the parties, their previous conduct and usage of the vehicle; as well as the circumstances surrounding the particular driving event in question. A court will also look at whether there were any restrictions placed on the permissive usage, and if even a minor deviation from the time, place and usage limitations of the original permission would be in violation of these limitations. Remember that adding a driver to your insurance is likely to cause your premium to go up, since it makes the car more risky to insure. It is important to carefully evaluate your options prior to giving your vehicle over to others. Contact Jerry to get a free insurance quote and discuss your policy's terms.