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Motor Vehicle Legal Terms The laws regarding motor vehicles differ from state to state. In general the law, it is assumed that a vehicle is being operated with the permission of its owner. Laws that enhance penalties, making revocation automatic or targeting social hosts can have mixed impacts on mortality rates. Mandatory education, alcohol treatment and interlock devices have small effects. Legal Definitions The laws governing the legal definitions of motor vehicles are formulated and determined at the state level. The various definitions used by the federal government for matters pertaining to national requirements for fuel economy and licensing standards for commercial vehicle drivers are primarily for administrative purposes and do not apply to states determining their own registration classifications. The classifications of a vehicle determine whether a driver requires a special licence to operate certain types vehicles. These state laws define the terms “automobile,” “light truck” and other. For instance light truck, it is any vehicle with a capacity of carrying less than 7,500 pounds. motor vehicle accident attorneys redlands excludes panel delivery vehicles and pickup trucks. This is any vehicle or combination that is designed to transport passengers or property within its own structure. This includes manufactured homes and trailers. Wheel chairs are vehicles with wheels that is used by those who are physically disabled and unable to walk. A moped is a motor vehicle with not more than three wheels that are in contact with the ground. It operates at a speed not more than 35 miles per hour. A pedicab vehicle is one which is driven by an operator who sits on it. The owner of the vehicle is the person who is the legal owner. Traffic Laws Each state has its own set motor vehicle laws which cover everything from registration procedure to the insurance requirements. They also regulate the types of vehicles covered by law. While certain laws are fairly similar across states, others are quite 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, such as parking lots. If you break these laws, you may be punished with a fine and/or a penalty. Penalties can include having your license suspended or having to go to traffic school. The law that governs speed limits on roads is one of the most important laws a state has. 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 a “motor vehicle” as any vehicle or other device that is driven mechanically and used on the highway to transport property or people or for commercial reasons. It excludes trailers and semitrailers, coaches or house trailers as well as vehicles that operate on tracks or rails snowmobiles, all-terrain and snowmobiles as well as motorized mobility aids operated by a person with disabilities and self-propelled hay harvesting machines and tractor. Insurance A motor vehicle insurance policy is an agreement between the insurer and insured that provides insurance against financial loss due to liability for bodily injury or death, property damage to a third party, arising from the ownership and operation, maintenance or use of a covered car. It can also provide protection against physical damage to the insured vehicle itself. It must contain the name and address the named insured as well as the coverage provided by the policy. It also contains the amount of premium paid as well as the time period during which the policy is in effect, as well as the maximum amount of responsibility. It should also include an agreement or an endorsement that states that the insurance coverage is in accordance with coverage that is specifically outlined for bodily injury, death or property damage. The language in the motor vehicle policy could be confusing for the average person. Duncanville law firms will often suggest that individuals read an example policy to be aware of the terms. One of the most common confusions is the definition of “motor vehicle”. This phrase is used in a variety of statutes that regulate vehicle registration and financial responsibility laws. Examples of coverages covered under a motor insurance policy include commercial auto coverage for automobiles used for business, commercial establishments or activities, employment, or occupations done for profit, automobile liability coverage, which comprises PIP MP,, and uninsured or underinsured driver coverage (UM/UIM). This kind of insurance is required by many states. Permissive Use It is crucial to understand what insurance coverage is available in the event that a person other than the named insured or a family member drives your car and causes an accident. This is known as permissive use. The specific terms of your policy can vary but generally, the majority of major car insurance companies provide this type of insurance. However, it is important to remember that the person driving your vehicle must have your permission in order for you to be held responsible for damages. Permission may be either implied or explicit, and does not usually require writing. In determining whether there is implied permission, courts consider the relationship between the parties; their past behavior and use of the vehicle; as well as the circumstances surrounding the specific driving event that is in question. The court will also consider the extent to which restrictions were imposed on the scope of permissive use and if even a minor deviation from the duration, location and limitations of the initial permission would violate these limitations. Be aware that adding an additional driver to your auto insurance policy is likely to increase the cost of your insurance, since the vehicle becomes more difficult to cover. It is important to weigh your options before lending your car to someone else. Contact Jerry to get a free insurance quote and to discuss the terms of your policy.