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Motor Vehicle Legal Terms The laws regarding motor vehicles differ from state to state In general laws assume that a vehicle was operated by the owners permission Laws that enhance penalties making revocation automatic or targeting social hosts have varying impacts on mortality rates Mandatory education treatment for alcohol and interlock devices have minimal effects Legal Definitions The laws that govern the legal definitions of motor vehicles are formulated and decided at the state level The different definitions of federal law used for matters pertaining to national requirements for fuel economy and licensing requirements for commercial vehicle drivers are primarily for to serve administrative purposes and do not apply to states determining their own registration classifications The classifications of a vehicles registration determine whether a driver must get a license specific to operate certain kinds of vehicles These state laws define the terms automobile light truck and others For instance the definition of light truck includes any motor vehicle that has the capacity of the manufacturers rated carrying capacity of 7500 pounds or less This excludes panel delivery vehicles and pickup trucks Also it excludes any vehicle or combination of vehicles designed primarily to carry passengers or property completely within its own structure including trailers and manufactured homes Wheel chairs are a vehicle with wheels that is utilized by people who have physical disabilities and cannot walk A moped is an automobile with not more than three wheels on the ground and that travels at the speed of 35 miles per hour A pedicab also known as a pedaldriven vehicle is one that is driven by the operator sitting on the top of it The owner of the vehicle is the person who owns the legal title Traffic Laws Typically every state has its own set of motor vehicle law that encompass everything from registration process to insurance requirements They also regulate the types of vehicles that are covered by law While certain laws are fairly similar between states others are quite different There are laws that limit the number of passengers that can be transported in a pedicab There are laws that ban reckless driving on certain kinds of roads for instance a parking lot If you violate these laws you could be fined and punished Penalties could include getting your license suspended or being required to take a traffic class One of the most important laws a state has regarding vehicles is the one that governs the speed limits that are set on roadways In New York for example the speed limit is the same for commercial vehicles and automobiles It also defines the term motor vehicle as any vehicle or other device that is driven mechanically and used on a highway to transport property or people or for commercial uses It excludes semitrailers and trailers as well as house trailers or coaches vehicles that run only upon rails or tracks snowmobiles and allterrain vehicles motorized mobility assistance devices operated by a person with a disability and selfpropelled hay harvesting or corn harvesting machines and tractors Insurance A motor insurance policy for vehicles is a contract between the insurer and insured that provides insurance against financial loss on account of the risk of bodily injury or property damage to a third party arising from the ownership and operation maintenance or the use of a covered vehicle It can also offer 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 the premium paid for it the time of its effectiveness and the limits of liability It should also include an agreement or endorsement that states that the insurance provided is in line with the coverage that is specifically outlined for bodily injury and death as well as property damage The language used in a motor vehicle policy can be confusing to the average person Duncanville law firms will often recommend that individuals review the policy sample to fully understand the terms One of the most frequently encountered confusions is the definition of motor vehicle motor vehicle accident law firm sandy springs is found in many statutes that govern the registration of vehicles as well as financial responsibility laws Some examples of coverage under a motor vehicle policy include commercial automobile insurance for vehicles used for commercial business jobs or other activities that are conducted for profit automobile liability insurance which includes MP and PIP and uninsured and underinsured motorist coverage UMUIM Many states require drivers to have this kind of insurance Permitted Use It is crucial to understand how insurance coverage will work when someone other than the named insured or a family member is driving your vehicle and causes an accident This concept is known as permissive use and the specific terms of your policy may differ however generally speaking all large car insurance companies offer this type of insurance However it is crucial to note that a person driving your vehicle must have your permission to be held liable for any damage Permission may be granted in the form of a written statement or implied and it usually does not have to be written down To determine if there is implied consent courts will examine the relationship between the parties their previous conduct and use of the vehicle as well as the circumstances surrounding a particular driving incident A court will also look at whether any restrictions were imposed on the scope of permissive use and if even minor deviations from duration location or limitations of the original permission would be in violation of these limitations Remember that adding the driver to your auto insurance policy will raise your premiums as the vehicle becomes more risky to insure It is therefore important to be aware of your options before lending your vehicle to other people If youre unsure whether to add someone to your policy or not Contact Jerry to discuss the specifics of your insurance policy and get a nocost quote
