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Motor Vehicle Legal Terms The laws that govern motor vehicles differ widely from one state to the next In general the law assumes a vehicle is being operated with the permission of its owner Laws that increase penalties such as making revocation automatic and the targeting of social hosts have mixed effects on mortality rates All of these measures which include mandatory education alcohol treatment and interlock devices have only a tiny impact motor vehicle accident lawsuit wichita falls govern the legal definitions of motor vehicles The definitions used by the federal government for national fuel economy standards and licensing requirements for drivers of commercial vehicles are mostly administrative and they do not have any effect when states decide on their own classifications of registration These vehicle classifications determine if a driver requires a special licence to operate certain types vehicles The state laws define the terms automobile light truck and other For example the definition of light truck is any motor vehicle with the capacity of the manufacturers rated carrying capacity of 7500 pounds or less This excludes pickup trucks and panel delivery trucks It also excludes any combination of vehicles that is intended to transport property or passengers wholly within its own structure such as manufactured homes and trailers A wheel chair conveyance is a machine with wheels used primarily by persons who are physically disabled and are unable to move around as pedestrians A moped is a motor vehicle with not 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 vehicle is one driven by an operator who sits on it A person who owns the legal title to a car is called the owner Traffic Laws Typically every state has its own set of motor vehicle law that cover everything from the registration process to insurance requirements These laws also address the types of vehicles that are protected by law Some of these laws are identical across states however others vary considerably For instance there are laws that restrict the number of passengers you can carry in a pedicab There are also laws that ban reckless driving on certain kinds of roads including parking areas Someone who operates a motor vehicle that is in contravention of these laws could be punished with fines and penalties for violating these laws Penalties could include having your license revoked or having to take a traffic class One of the most important laws a state has regarding automobiles is that it governs the speed limits established on the roads In New York for example it is stated that the speed limit for commercial vehicle is the same as that of an automobile The law also defines the definition of a motor vehicle This includes any description of a carriage or other contrivance that is propelled by mechanical power and used on a public highway for the transportation of persons or property or for any other commercial use The law does not include trailers semitrailers and coaches allterrain and snowmobiles motorized mobility assist systems that are operated by people with disabilities and selfpropelled corn as well as hay harvesting machines Insurance A motor vehicle insurance policy is a contract which protects the insurer against financial losses in the event of bodily injury or death or property damage caused by a thirdparty arising from ownership operation maintenance or use of an insured vehicle It can also protect physical damage to the vehicle It must include the name and address the named insured as in addition to the coverage offered by the policy It also includes cost of the policy and the time for which the policy is in force as well as the limits of responsibility It should also include an agreement or endorsement stating that the insurance coverage is in accordance with the coverage specific to bodily injury or death or property damage The language used in the motor vehicle policy could be confusing to the average person and Duncanville law firms typically recommend that an individual review an example policy to be aware of the terms One of the biggest areas of confusion is the definition of motor vehicle The phrase appears frequently in statutes governing vehicle registration and financial responsibility laws Examples of coverages offered under an insurance policy are commercial auto insurance for cars that are used for commercial business establishments or activities employment or occupations that are performed to earn money automobile liability coverage which comprises PIP MP MP as well as uninsured and underinsured driver coverage UMUIM Many states require drivers to have this kind of insurance Permitted Use If someone other than a named insured or family member drives your vehicle and gets into an accident its important to understand how insurance coverage works in these situations This concept is referred to as permissive use The specific terms of your policy can vary however generally speaking all large car insurance providers offer this type of coverage It is important to keep in mind that you are accountable for any damage caused by a driver who has your permission Permission may be express or implied and does not usually need to be in writing In determining if there is implied consent courts consider the relationship between the parties their past behavior and the use of the vehicle as well as the circumstances surrounding a particular driving event A court will also examine whether any restrictions were imposed on the permissive usage and whether even minor deviations from the time location and usage limitations of an initial permission would violate of these limitations Remember that adding another driver to your insurance will likely result in your premium going up as it makes the car more risky to insure Therefore it is important to weigh your options carefully before lending your vehicle to other people If youre not sure whether to add someone else to your policy or not call Jerry to discuss the specifics of your insurance policy and receive a free quote
