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Motor Vehicle Legal Terms The laws governing motor vehicles vary from state to state In general laws assume that the vehicle was used with the consent of the owner Laws enhancing penalties such as making revocation automatic and the targeting of social hosts have mixed impact on mortality rates Mandatory education alcohol treatment and interlock devices all have a limited impact Legal Definitions State laws regulate the legal terms used by motor vehicles motor vehicle accident lawsuit victorville for national standards for fuel economy and licensing standards for commercial vehicle drivers are mostly administrative and they do not have any effect when states determine their own registration classifications These classifications for vehicles determine if a driver needs an exclusive license to operate certain types vehicles These state laws define the terms automobile light truck and others For instance a light truck is any motor vehicle that has a capacity of carrying less than 7500 pounds This excludes panel delivery vehicles and pickup trucks It also excludes any vehicle or combination of vehicles that is specifically designed to transport property or passengers wholly within its own structure such as manufactured homes and trailers Wheel chairs are a vehicle with wheels that is used by people who are physically disabled and unable to walk A moped is a motor vehicle that has no more than three wheels in contact with the ground It is able to travel at a speed of not more than 35 miles per hour A pedicab is a vehicle that is driven by an operator who sits on it The owner of a vehicle is the person who holds the legal title Traffic Laws Each state has its own motor vehicle laws that cover everything from the registration procedure to the insurance requirements These statutes also cover the kinds of vehicles covered by law While some of these laws are similar between states others vary significantly There are laws that limit the number of people who can be transported by pedicab There are laws against reckless driving in certain types of roads like a parking lot If you break these laws you can be fined and punished Penalties could include having your license suspended or being required to go to traffic school The law that regulates speed limits on roads is one of the most important laws states have In New York for example it says that the speed limit for commercial vehicle is the same as for an automobile The law also defines the definition of the term motor vehicle This includes every description of a carriage or other device that is powered by mechanical energy and used on a highway for the transportation of persons or property or for other commercial use It excludes trailers and semitrailers such as coaches or house trailers vehicles that run only on tracks or rails snowmobiles and allterrain vehicles motorized mobility assistance devices used by people with disabilities and selfpropelled hay harvesting or corn harvesting machines and tractor Insurance A motor vehicle insurance policy is a contract between the insurer and insured that protects against financial losses arising from the liability for bodily injury death property damage to a thirdparty arising from the ownership or operation maintenance or use of a covered car It also provides protection against physical damage to the covered vehicle itself It must include the name and address of the insured named the coverage afforded by the policy as well as the premium that is charged the period of effectivity and the limits of liability It must also contain an agreement or endorsement that insurance is provided thereunder in accordance with the coverage stated in the policy for bodily injury property damage or death and is subject to the provisions of this chapter Duncanville law firms often recommend that clients review a sample motor vehicle policy in order to understand the terms One of the most frequently encountered confusions is the definition of motor vehicle The phrase is found in a variety of statutes that regulate the registration of vehicles and financial responsibility laws Examples of coverages offered under an insurance policy are commercial auto insurance for vehicles used for commercial or business establishments or for employment activities or jobs conducted for profit as well as automobile liability insurance which covers PIP MP and uninsured and underinsured motorist coverage UMUIM A majority of states require drivers to carry this type of insurance Permissive Use If someone other than a named insured or a family member drives your car and gets into an accident it is important to understand the process of insurance coverage in these circumstances This is known as permissive usage The specifics of your insurance policy could differ but most large car insurers offer this type coverage It is important to keep in mind that you are responsible for any damage caused by a driver who has your permission Permission may be express or implied and does not typically require writing In determining whether there is implied permission courts examine the relationship between the parties their prior conduct and usage of the vehicle and the circumstances surrounding the particular driving event A judge will also consider whether any restrictions were made regarding the permissive usage and if even minor deviations from time place and usage limitations of an initial permission would violate of these limitations Be aware that adding an additional driver to your auto insurance policy will likely increase your premium because the vehicle becomes more difficult to insure It is therefore important to consider your options carefully prior to giving your vehicle over to others If youre unsure whether to add someone to your policy or not Contact Jerry to discuss the specifics of your insurance policy and get an estimate for free
