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Motor Vehicle Legal Terms The laws for motor vehicles vary from state to state In general the law it assumes that a vehicle is being operated with the permission of its owner The mortality rates are affected by laws that increase penalties and make revocation automatic or target social hosts Mandatory education treatment for alcohol and interlock devices all have minimal effects Legal Definitions State laws govern motor vehicle legal terms The various federal definitions used in connection with national requirements for fuel economy and licensing requirements for commercial vehicle drivers serve mostly for to serve administrative purposes and are not applicable to states determining their own registration classifications The classifications of a vehicle determine if a driver requires a special licence to operate certain kinds of vehicles The state laws define the terms automobile light truck and many others For instance the definition of light truck encompasses every motor vehicle with an rated carrying capacity by the manufacturer of 7500 pounds or less This excludes pickup trucks and panel delivery trucks Also it does not include any combination of vehicles specifically designed to transport passengers or property completely within the structure of the vehicle which includes trailers and manufactured homes A wheel chair conveyance is a device equipped with wheels typically used by those who because of physical impairment are unable to move around as pedestrians A moped is an automobile with at most three wheels on the ground and that can travel at the speed of 35 miles per hour A pedicab also known as a pedaldriven vehicle is one that is driven by the driver who sits on top of it The person who has the legal title to a vehicle is referred to as its owner Traffic Laws Typically each state has its own set of motor vehicle laws that deal with everything from the registration process to the insurance requirements These statutes also cover the types of vehicles covered by the law Some of these laws are the same across states while others vary considerably There are laws that restrict the number of people that can be transported in a pedicab There are laws against reckless driving on certain kinds of roads like a parking lot Any person who operates a motor vehicle that is in contravention of these laws could be punished with fines and penalties for doing so Penalties could include having your license suspended or being required to attend traffic school One of the most important laws in a particular state regarding vehicles is the one that governs the speed limits set on roadways In New York for example it states that the speed limit for a commercial vehicle is the same as that of an automobile It also defines the term motor vehicle as any vehicle carriage or any other device that moves mechanically and used on roads to transport people or property or for commercial purposes motor vehicle accident law firm lynchburg excludes trailers coaches and semitrailers all terrain and snowmobile vehicles and motorized mobility assist devices that are operated by people with disabilities as well as selfpropelled corn and hay harvesting machines Insurance A motor vehicle insurance policy is a contract which protects the insurer against financial losses due to liability for bodily harm or death or property damage caused by a thirdparty arising from ownership operation maintenance or use of an insured vehicle It can also provide protection against physical damage to the vehicle It must contain the name and address the named insured as well as the coverage provided by the policy It also includes the premium charged the period for the period that the policy is in force as well as the maximum amount of responsibility It should also contain an agreement or endorsement that insurance is provided thereunder in conformity with the coverage described in the policy for bodily injury or property damage or death and is subject to all requirements of this chapter The language used in a motor vehicle policy can be confusing for the average person and Duncanville law firms usually recommend that an individual review a sample policy to fully comprehend the terms One of the most frequent areas of confusion is the definition of motor vehicle The phrase is used frequently in statutes that govern vehicle registration and financial responsibility laws Examples of coverages under an insurance policy are commercial auto coverage for automobiles that are used for commercial business establishments or activities employment or occupations that are performed for profit and automobile liability insurance which covers PIP MP MP as well as uninsured and underinsured driver coverage UMUIM This kind of insurance is required by a number of states Permitted Use It is crucial to understand how insurance coverage works in the event that a person other than the named insured or a family member is driving your car and causes an accident This is known as permissive usage The specifics of your insurance policy may differ but the majority of large automobile insurers provide this kind of coverage However it is important to note that the person driving your vehicle must have your permission in order to be held responsible for any damages Permission can be given in writing or implied and is not required to be written down In determining if there is an implied permission courts look at the relationship between the two parties their previous conduct and the use of the vehicle and circumstances surrounding the specific driving event that is in question A judge will also consider whether there were any restrictions placed on the scope of permissive usage and if even minor deviations from the duration location or limitations of the original permission would be in violation of these limitations Be aware that adding another driver to your car insurance will increase your insurance premium up as it makes the car more risky to insure Therefore it is important to consider your options carefully prior to lending your vehicle to anyone else If youre unsure whether you should add someone to your policy or not Contact Jerry to discuss the specifics of your insurance policy You can also get an estimate for free
