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Motor Vehicle Legal Terms The laws governing motor vehicles vary between states. In general the law, it assumes that the vehicle is operated by the owner's permission. The mortality rates are affected by laws that increase penalties and make revocation automatic or specifically target social hosts. All of these measures, which include obligatory education, alcohol treatment, and interlock devices have a tiny effect. Legal Definitions The laws governing the legal definitions of motor vehicles 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 primarily administrative and are not applicable when states establish their own classifications of registration. The classifications of a vehicle's registration determine if a driver needs to get a license specific to operate certain types of vehicles. The laws of the state define terms like “automobile,” “light trucks” and many more. For example, the definition of light truck is any motor vehicle with an estimated carrying capacity of less than 7,500 pounds. This excludes panel delivery trucks and pickup trucks. This is any vehicle or combination of vehicles that is designed to carry passengers or property within its own structure. This includes manufactured homes and trailers. A wheel chair conveyance is a device equipped with wheels, typically used by persons who, due to physical disability cannot walk as pedestrians. Mopeds are motor vehicle with fewer than three wheels that are in contact with the ground that is able to travel at a speed of not more than 35 miles per hour. A pedicab is a vehicle that is propelled by a driver who is sitting on it. The person who has the legal title to a vehicle is known as its owner. Traffic Laws Typically, every state has its own set of motor vehicle laws that deal with everything from the registration process to the insurance requirements. The statutes also cover the types of vehicles covered by the law. While motor vehicle accident law firm edinburg are fairly similar across states, others are quite different. For instance there are laws that restrict the number of people that can be transported in a pedicab. There are laws that prohibit reckless driving in certain types of roads, including parking lot. Any person who operates a motor vehicle that is in violation of these laws can be penalized and liable for fines for violating these laws. The penalties can vary from having your driver's license suspended to being required to attend an traffic school. One of the most important laws in a state regarding vehicles is that which governs the speed limits that are put in place on the roads. In New York, for example it is stated that the speed limit for commercial vehicle is identical to that of an automobile. It also defines the term “motor vehicle” as any vehicle or other device that is powered mechanically and used on a highway to transport people or property or for commercial reasons. It does not include trailers and semitrailers as well as house trailers or coaches as well as vehicles that operate on tracks or rails snowmobiles, all-terrain vehicles and snowmobiles, motorized mobility assistance devices that are operated by a person who has a disability and self-propelled hay harvesting or corn harvesting machines and tractor. Insurance A motor vehicle insurance policy is a contract which protects the insurer from financial loss caused by bodily harm or death or property damage caused by a third party that results from the ownership, operation, maintenance, or use of an insured vehicle. It can also offer protection against physical damage to the covered vehicle. It must contain the name and address the named insured as well as the coverage provided by the policy. It also includes the amount of premium paid and the time for the period for which the policy is in effect, and the responsibility limits. It must also contain an agreement or endorsement that states that the insurance provided is in compliance with the coverage provided for bodily injuries, death or property damage. The language in a motor vehicle policy can be confusing for anyone, and Duncanville law firms usually recommend that an individual review an example policy to be aware of the terms. One of the most common areas of confusion is the definition of the term “motor vehicle.” The phrase is used frequently in statutes that govern the registration of vehicles and financial accountability laws. Examples of the coverages that are covered under an insurance policy are commercial auto coverage for automobiles used for business, commercial establishments or other activities, employment or occupations that are performed for profit, and automobile liability coverage, which includes PIP, MP, and uninsured and underinsured motorist coverage (UM/UIM). This type of insurance is required by a number of states. Permissive Use It is crucial to understand what insurance coverage is available if someone other than the named insured or a family member drives your vehicle and causes an accident. This concept is referred to as permissive usage and the specific terms of your policy may differ, but in general most major car insurance companies provide this kind of coverage. However, it is crucial to keep in mind that anyone driving your vehicle must have your permission in order to be held responsible for any damage. Permission may be granted in the form of a written statement or implied, and it typically does not need to be written down. In determining if there is an implied permission, courts examine the relationship between the two parties; their previous behavior and use of the vehicle; and the circumstances surrounding the particular driving event. A court also will consider whether any restrictions were imposed on the permissive use and if even a minor deviation from the date, time, and location restrictions of the original permission would violate the restrictions. Remember that adding a driver to your insurance could cause your premium to go higher, since it makes the car more risky to insure. It is important to carefully consider your options prior to lending your car to anyone else. Contact Jerry for a no-cost insurance quote and discuss the policy's terms.