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Motor Vehicle Legal Terms The laws that govern motor vehicles differ widely from state to state In general the law assumes the vehicle is operated with its owners permission Laws that increase penalties such as making revocation automatic and the targeting of social hosts have mixed effects on mortality rates Mandatory education treatment for alcohol and interlock devices all have a limited impact Legal Definitions The laws governing motor vehicle legal terms are formulated and decided at the state level The various definitions used by the federal government for national requirements for fuel efficiency and licensing standards for commercial vehicle drivers serve mostly for administrative reasons and do not apply to states that decide their own registration classifications The classifications of a vehicles registration determine whether a motorist must get a license specific to operate certain types of vehicles These state laws define the terms automobile light truck and others As an example light truck its any motor vehicle that has a capacity of carrying less than 7500 pounds This excludes pickup trucks as well as panel delivery 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 Wheel chairs are a vehicle with wheels which is used by people who are physically disabled and cannot walk motor vehicle accident law firm san leandro moped is a motor vehicle with fewer 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 pedaldriven vehicle is driven by the person who sits on top of it Someone who holds the legal title to a car is called the owner of the vehicle Traffic Laws Typically each state has its own set of motor vehicle laws that cover everything from the registration process to insurance requirements These laws also cover the types of vehicles that are covered by law Some of these laws are the same across states while others are different For instance there are laws that limit the number of persons a person can transport in the pedicab There are laws against reckless driving in certain types of roads including parking lots Someone who operates a motor vehicle that is in violation of these laws can be penalized and liable for fines for violating these laws Penalties could include having your license revoked or being required to attend traffic school The law that governs speed limits on roads is among the most important laws states have In New York for example the speed limit is the same for commercial vehicles as well as automobiles It also defines the term motor vehicle as any type of vehicle or other device that is powered mechanically and is used on roads to transport people or property or for other commercial purposes The law does not include trailers coaches semitrailers allterrain and snowmobile vehicles and motorized mobility assist devices used by disabled people and selfpropelled corn as well as hay harvesting machines Insurance A motor vehicle insurance policy is a contract between the insured and the insurer that provides insurance against financial loss due to the liability for bodily injury property damage to a thirdparty arising from the ownership operating maintenance or the use of a covered vehicle It may also protect physical damage to the vehicle It must contain the name and address of the named insured as along with the coverage provided by the policy It also contains the amount of premium paid and the time for the period that the policy is in effect as well as the responsibility limits It must also include an agreement or an endorsement that states that the insurance provided is in compliance with the coverage that is specifically outlined for bodily injury and death as well as property damage Duncanville law firms frequently suggest that clients review the sample motor vehicle policy to be aware of the terms One of the most frequently encountered confusions is the definition of motor vehicle The phrase is found in numerous statutes that govern the registration of vehicles and financial responsibility laws Some examples of coverage under a motor vehicle policy include commercial auto insurance for vehicles used for business commercial establishments jobs or other activities that are primarily for profit auto liability insurance that covers MP and PIP and underinsured and uninsured motorist coverage UMUIM A majority of states require drivers to carry this kind of insurance Permitted Use It is important to know the way insurance coverage works in the event that someone other than the named insured or a family member is driving your vehicle and causes an accident This is referred to as permissive use The specific terms of your insurance policy could vary but most large car insurers offer this type coverage However it is crucial to remember that the person driving your vehicle must have your permission in order to be held responsible for any damages Permission may be implied or express and does not typically need to be in writing In determining if there is an implied permission courts consider the relationship between the parties their prior conduct and the use of the vehicle and circumstances surrounding the specific driving event in question A court will also consider whether any restrictions were imposed on the permissive usage and whether even minor deviations from the duration location or restrictions of the initial permission would violate of these restrictions Be aware that adding the driver to your auto insurance policy will raise your premiums as the vehicle becomes more risky to insure It is therefore essential to weigh your options carefully before giving your vehicle over to others If you are unsure about whether to include someone on your policy or not call Jerry to discuss the specifics of your insurance policy and receive a nocost quote
