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Motor Vehicle Legal Terms The laws that govern motor vehicles vary widely from state to state In general the law assumes that a vehicle is being operated with the permission of its owner Laws that increase penalties that make revocation automatic or targeting social hosts can have mixed effects on mortality rates All of these measures such as obligatory education alcohol treatment and interlock devices have a slight impact Legal Definitions The laws governing motor vehicle legal terms are formulated and decided at the state level The definitions used by the federal government for national fuel economy standards and licensing requirements for commercial vehicle drivers are mostly administrative and are not applicable to states that decide their own classifications of registration These classifications for vehicle registrations determine whether a motorist must obtain a special license to operate certain types of vehicles The laws of the state define terms such as automobile light trucks and other terms For instance light truck it is any vehicle with an rated capacity of less than 7500 pounds This excludes pickup trucks as well as panel delivery trucks This includes any vehicle or combination that is specifically designed to transport passengers or property within its own structure This includes manufactured homes and trailers A wheel chair is a vehicle with wheels It is typically used by persons who have physical disabilities that make them are unable to walk as pedestrians A moped is an automobile with only three wheels on the ground and that travels at a maximum speed of 35 miles per hour A pedicab is a motorized vehicle that is propelled by an operator who sits on it A person who owns the legal title to a car is called the owner of the vehicle Traffic Laws Typically every state has its own set of motor vehicle law that deal with everything from the registration process to the insurance requirements The laws also deal with the types of vehicles that are covered by the law While some of these laws are fairly similar across states others vary significantly There are laws that limit the number of passengers that can be transported by pedicab There are laws that ban reckless driving in certain types of roads including parking lots If you do not follow these laws you could be penalized and fined The penalties can vary from having your drivers licence suspended and being required to attend traffic school The law governing speed limits on roads is among the most important laws that a state has In New York for example it states that the speed limit for commercial vehicle is the same as that of an automobile It also defines the term motor vehicle as any vehicle or other device that is propelled mechanically and is used on the highway to transport property or people or for other commercial purposes The law does not apply to trailers coaches and semitrailers allterrain and snowmobiles as well as motorized mobility assist devices used by disabled people and selfpropelled corn as well as harvesting machines for hay Insurance A motor vehicle policy is a contract which protects the insurer from financial loss caused by bodily harm or death or property damage caused by a thirdparty that results from the ownership operation maintenance or use of an insured vehicle It also provides protection against physical damage to the insured vehicle itself It must contain the name and address the named insured as in addition to the coverage offered by the policy It also includes the amount of premium paid and the time frame for the period for which the policy is in effect as well as the limits of responsibility It should also include an agreement or a statement that the insurance is provided in accordance with the coverage stated in respect of bodily injury property damage or death and is subject to all the provisions of this chapter The language used in a motor vehicle insurance policy can be confusing for the average person Duncanville law firms often recommend that individuals 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 appears often in statutes governing vehicle registration and financial responsibility laws Examples of the coverages that are covered under a motor insurance policy include commercial auto insurance for cars used for commercial or business establishments or other activities employment or occupations that are conducted for profit automobile liability insurance which includes PIP MP MP as well as uninsured or underinsured driver coverage UMUIM Many states require drivers to have this type of insurance Permissive Use If you are not the named insured or a family member drives your car and gets involved in an accident its crucial to know the insurance coverage that is available in these circumstances This is referred to as permissive use The specific terms of your insurance policy may vary but most large insurance companies 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 motor vehicle accident attorneys ofallon may be granted in the form of a written statement or implied and it usually does not have to be recorded In determining whether there is implied permission courts consider the relationship between the parties their prior behavior and use of the vehicle as well as the circumstances surrounding the particular driving event that is in question A court will also examine whether any restrictions were placed regarding the permissive usage and whether any minor deviations from the time location and usage restrictions of the initial permission would be in violation of these restrictions Remember that adding the driver to your auto insurance policy will likely raise your premiums as the vehicle becomes more difficult to cover It is important to carefully consider your options prior to giving your vehicle over to anyone else If you arent sure whether to include someone on your policy or not get in touch with Jerry to discuss the specifics of your insurance policy and get a free quote
