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Motor Vehicle Legal Terms The laws regarding motor vehicles differ from state to state In general the laws assume that a vehicle was operated with the owners consent Laws that increase penalties such as making revocation automatic and targeting social hosts can have mixed impact on mortality rates Mandatory education alcohol treatment and interlock devices all have little effect Legal Definitions The laws governing the legal definitions of motor vehicles are formulated and regulated at the state level The different definitions of federal law used for matters pertaining to national requirements for fuel efficiency and licensing requirements for commercial vehicle drivers serve mainly for administrative purposes and do not apply to states determining their own registration classifications These vehicle classifications determine if a motorist requires an exclusive license to operate certain types of vehicles The state laws define the terms automobile light truck and others For example the definition of light truck is every motor vehicle with a manufacturers rated carrying capacity of less than 7500 pounds This excludes panel delivery trucks and pickup trucks Also it excludes any combination of vehicles that is designed primarily to carry passengers or property completely within its own structure such as manufactured homes and trailers Wheel chairs are vehicles with wheels utilized by people who are physically disabled and unable to walk A moped is an automobile with only 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 driven by a driver who sits on the top The owner of a vehicle is the person who has the legal title Traffic Laws Each state has its own motor vehicle laws which cover everything from registration process to the insurance requirements These statutes also address the kinds of vehicles subject to the law While certain laws are fairly similar across states some are very different There are laws that limit the number of people who can be carried in a pedicab There are laws that ban reckless driving on certain kinds of roads like parking lots Any person who operates a motor vehicle that is in contravention of these laws could be punished with fines and penalties for violating these laws The penalties could range from having your drivers license suspended or being required to attend a traffic school One of the most important laws in a state pertaining to vehicles is that which governs the speed limits set on roadways In New York for example it stipulates that the speed limit for a commercial vehicle is similar to that of an automobile The law also defines the definition of a motor vehicle This covers every description of a vehicle or device that is powered by mechanical power and is employed on a public highway for the transport of people or property or for any other commercial use The law does not apply to trailers coaches semitrailers allterrain and snowmobile vehicles motorized mobility assist devices operated by people with disabilities and selfpropelled corn and harvesting machines for hay Insurance A motor vehicle policy is a contract that protects the insurer against financial loss caused by injuries to the body or death or property damage caused by a thirdparty that results from the running maintaining ownership or the use of an insured vehicle It can also protect against physical damage to the vehicle It must state the name and address of the named insured as well as the coverage provided by the policy the amount paid for it the time of its effectiveness and the limits of liability It must also contain an agreement or endorsement stating that the insurance provided is in accordance with the coverage provided for bodily injuries or death or property damage motor vehicle accident lawyer ventura used in a motor vehicle policy can be confusing to the average person and Duncanville law firms often recommend that individuals review the sample policy to comprehend the terms One of the most frequent areas of confusion is the definition of motor vehicle The phrase appears often in statutes governing the registration of vehicles and financial accountability laws Examples of coverages under a motor policy include commercial auto insurance for vehicles used for business commercial establishments or other activities employment or occupations that are performed for profit as well as automobile liability coverage which includes PIP MP PIP and uninsured or underinsured driver coverage UMUIM This kind of insurance is required by a number of states Permitted Use If someone other than the named insured or family member drives your vehicle and gets involved in an accident its important to understand the way insurance coverage works in these situations This is known as permissive usage The specifics of your insurance policy may vary but a majority of major car insurers offer this type of coverage It is important to keep in mind that you are accountable for any damages caused by a driver who has your permission Permission may be granted in the form of a written statement or implied and usually does not have to be written down In determining whether there is implied permission courts will look at the relationship between the parties their previous conduct and the use of the vehicle as well as the circumstances surrounding the specific driving incident in question A court will also look at whether there were any restrictions placed on the permissive usage and if even minor deviations from time place and usage restrictions of the permission would be in violation of these limitations Keep in mind that adding another driver to your insurance is likely to cause your premium to go higher since it makes the car more risky to insure It is important to carefully evaluate your options prior to lending out your vehicle to others If youre not sure whether you should add someone to your policy or not contact Jerry to discuss the specifics of your insurance policy You can also get a free quote
