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Motor Vehicle Legal Terms The laws for motor vehicles vary from state to state In general the law assumes a vehicle is being operated with the permission of its owner Laws that increase penalties that make revocation automatic or the targeting of social hosts have mixed impacts on mortality rates All of these measures which include mandatory education alcohol treatment and interlock devices have a little impact Legal Definitions State laws regulate the legal terms used by motor vehicles The federal definitions for national fuel economy standards and licensing standards for drivers of commercial vehicles are mostly administrative and do not apply when states decide on their own classifications of registration The classifications of a vehicle determine if a driver requires an additional license to operate certain kinds of vehicles These state laws define the terms automobile light truck and others For instance the definition of a light truck comprises any motor vehicle with an rated carrying capacity by the manufacturer of 7500 pounds or less 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 with wheels It is typically used by those who are physically disabled and are unable to move about as pedestrians A moped is an automobile with not more than three wheels on the ground and that travels at an maximum speed of 35 miles per hour A pedaldriven vehicle is one that is driven by the driver sitting on the top The owner of the vehicle is the person who has the legal title Traffic Laws Typically every state has its own set of motor vehicle laws which deal with everything from the registration process to insurance requirements These statutes also address the kinds of vehicles covered by the law While certain laws are fairly similar between states some are very different There are laws that limit the number of people who can be transported in a pedicab There are laws that prohibit reckless driving in certain types of roads for instance a parking lot Any person who operates a motor vehicle in violation of these laws could be fined and punished for violating these laws The penalties can range from getting your drivers license revoked to having to attend an traffic school One of the most important laws a state has regarding vehicles is that which governs the speed limits placed on roads In New York for example it stipulates that the speed limit for a commercial vehicle is identical to that of an automobile It also defines the term motor vehicle as any type of vehicle or other device that is driven mechanically and used on roads to move property or people or for other commercial purposes The law excludes trailers semitrailers and coaches allterrain and snowmobiles motorized mobility assist devices for people with disabilities and selfpropelled corn and harvesting machines for hay Insurance A motor vehicle policy is a contract which protects the insurer against financial loss due to liability for bodily harm or death or property damage caused by a thirdparty arising from running maintaining ownership or the use of an insured vehicle It can also cover physical damage to the vehicle It must contain the name and address the named insured as well as the protection provided by the policy It also contains the premium charged as well as the time period during the period that the policy is in force and the limits of liability It must also contain an agreement or an endorsement that states that the insurance offered is in compliance with the coverage specific to bodily injury and death as well as property damage Duncanville law firms typically recommend that people read the sample motor vehicle policy in order to know the terms One of the most frequent confusions is the definition of motor vehicle This phrase is used in a number of statutes that govern the registration of vehicles as well as financial responsibility laws Examples of coverages offered under an insurance policy are commercial auto coverage for vehicles that are used for commercial and business establishments or for employment activities or jobs carried out for profit as well as automobile liability coverage which comprises PIP MP PIP and uninsured and underinsured coverage for drivers UMUIM This kind of insurance is required in many states Permissive Use It is essential to know how insurance coverage will work when someone other than the named insured or a family member drives your vehicle and causes an accident This is known as permissive usage The specifics of your insurance policy could vary but most large insurance companies offer this type of coverage However it is crucial to note that a person driving your vehicle must have your permission in order to be held accountable for damages Permission may be expressed or implied and does not usually have to be written In determining whether there is implied permission courts look at the relationship between the parties their past conduct and usage of the vehicle as well as the circumstances surrounding the specific driving event in question A court will also look at whether there were any restrictions placed on the permissive usage and if a minor deviation from the time place and use limitations of the initial permission would violate these restrictions Be aware that adding a driver to your auto insurance policy will increase your premium because the vehicle becomes more difficult to cover motor vehicle accident law firm passaic is important to carefully think about your options before lending out your vehicle to someone else If youre unsure whether to add someone else to your policy or not contact Jerry to discuss the specifics of your insurance policy Get a free quote
