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Motor Vehicle Legal Terms The laws governing motor vehicles vary widely from state to state In general the law assumes that a vehicle is being operated by the owners permission The mortality rates are affected by laws that increase penalties or make revocation automatic or make social hosts targets All of these measures such as obligatory education alcohol treatment and interlock devices have a tiny effect Legal Definitions State laws govern the legal definitions of motor vehicles The different definitions of federal law used for matters pertaining to national requirements for fuel economy and licensing requirements for commercial vehicle drivers serve mostly to serve administrative purposes and do not apply to states that determine their own registration classifications These vehicle registration classifications determine whether a driver has to get a license specific to operate certain types of vehicles The state laws define the terms automobile light truck and many others For example the definition of a light truck comprises every motor vehicle with an estimated carrying capacity of 7500 pounds or less This excludes pickup trucks and panel delivery trucks This is any vehicle or combination of vehicles that is specifically designed to transport passengers or property within its own structure This includes manufactured homes and trailers A wheel chair is a machine with wheels used primarily by people who are physically disabled and are unable to move around as pedestrians Mopeds are motor vehicle that has no more than three wheels in contact with the ground It travels at speeds of no more than 35 miles per hour A pedicab is a motorized vehicle which is driven by an operator who sits on it Someone who holds the legal title to a car is called the owner Traffic Laws Typically each state has its own set of motor vehicle laws which encompass everything from registration process to insurance requirements The statutes also cover the types of vehicles that are covered by the law Some of these laws are the same across states but others differ greatly For instance there are laws that limit the number of persons that can be transported in the pedicab There are also laws that ban reckless driving on certain types of roads like parking spaces If you violate the law you could be fined and punished The penalties vary from being able to have your drivers license suspended or being required to attend the traffic school The law that governs speed limits on roads is one of the most important laws that a state has In New York for example it is stated that the speed limit for commercial vehicle is similar to that of an automobile The law also defines the definition of the term motor vehicle This covers every description of a carriage or device that is powered by mechanical power and is used on a public highway for the transportation of people or property or for any other commercial purpose It does not include semitrailers and trailers as well as house trailers or coaches vehicles that run only upon rails or tracks snowmobiles and allterrain vehicle and motorized mobility aids used by people with a disability and selfpropelled corn or hay harvesting machines and tractors Insurance A motor vehicle insurance policy is a contract which protects the insurer from financial loss in the event of bodily harm or death or property damage caused by a third party arising from maintaining operating or the use of an insured vehicle It can also cover physical damage to the vehicle It must contain the address and name of the insured named as well as the coverage provided by the policy as well as the premium payable the duration of its effectiveness and the limits of liability It must also include an agreement or a statement that the insurance provided is in conformity with the coverage described in the policy in relation to bodily injury property damage or death and is subject to all rules of this chapter The language of a motor vehicle policy can be confusing to the average person Duncanville law firms usually recommend that individuals review an example policy to know 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 A few examples of coverage under the motor vehicle policy are commercial auto insurance for vehicles that are used for commercial establishments business jobs or other activities that are primarily for profit auto liability insurance that covers MP and PIP and underinsured and uninsured motorist coverage UMUIM Many states require drivers to have this kind of insurance Permissive Use It is crucial to understand how insurance coverage works if someone other than the named insured or a family member is driving your vehicle and causes an accident motor vehicle accident attorneys temecula is referred to as permissive use and the specific terms of your policy might differ but in general most major car insurance companies provide this kind of insurance It is important to remember that you are responsible for any damage caused by a driver with your permission Permission may be either implied or explicit and does not always need to be in writing In determining if there was implied consent courts will consider the relationship between the parties their past conduct and use of the vehicle as well as the circumstances surrounding a particular driving event A court also will consider if any restrictions were placed on the scope of permissive use and if even one minor deviation from duration location and limitations of the initial permission would violate these limitations Remember that adding an additional driver to your insurance policy is likely to increase your premium because the vehicle becomes more difficult to cover It is therefore important to think about your options carefully before lending your vehicle out to anyone else If you arent sure whether you should add someone to your policy or not contact Jerry to discuss the specific terms of your insurance policy and receive an estimate for free
