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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 operated with the consent of the owner. The mortality rates are influenced by laws that increase penalties or make revocation automatic or specifically target social hosts. Mandatory education, alcohol treatment, and interlock devices all have little effect. Legal Definitions State laws govern motor vehicle legal terms. The various definitions that are used for national requirements for fuel efficiency and licensing requirements for commercial vehicle drivers serve mostly for administrative reasons, and do not apply to states that decide their own registration classifications. These vehicle classifications determine if a driver requires special licenses to operate certain types vehicles. The state laws define terms such as “automobile,” “light trucks” and others. For example, the definition of light truck includes any motor vehicle that has the capacity of the manufacturer's rated carrying capacity of 7,500 pounds or less. This excludes panel delivery trucks as well as pickup trucks. Also, it excludes any vehicle or combination of vehicles that is intended to transport passengers or property completely within the structure of the vehicle, which includes manufactured homes and trailers. A wheel chair conveyance is a device equipped with wheels. It is usually used by people who are physically disabled and are unable to walk as pedestrians. Mopeds are motor vehicle with not more than three wheels that come into contact with the ground that travels at speeds of no more than 35 miles per hour. A pedicab, also known as pedal-driven vehicle, is driven by the operator who sits 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 laws, which regulate everything from the registration process to insurance requirements. These laws also cover the types of vehicles covered by the law. While some of these laws are similar between states, others vary significantly. There are laws that restrict how many people can be transported in a pedicab. There are also laws that prohibit reckless driving on certain types of roadways, such as parking spaces. If you violate these laws, you could be punished with a fine and/or a penalty. Penalties could include having your license suspended or being required to attend traffic school. The law that governs speed limits on roads is among the most important laws that states have. In New York, for example it stipulates that the speed limit for commercial vehicle is similar to that of an automobile. It also defines the term “motor vehicle” as any type of vehicle or other device that is powered mechanically and used on a highway to transport property or people, or for other commercial reasons. motor vehicle accident law firm centennial excludes trailers coaches and semitrailers, all terrain and snowmobile vehicles and motorized mobility assist devices for people with disabilities and self-propelled corn, as well as hay harvesting machines. Insurance A motor vehicle policy is a contract which protects the insurer from financial loss caused by bodily injury, death, or property damage caused by a third party caused by the operating, ownership, maintenance or use of an insured vehicle. It can also provide protection against physical damage to the vehicle itself. It must contain the name and address the named insured as along with the coverage provided by the policy. It also includes the amount of premium paid, the period for the period that the policy is in force, as well as the limits of liability. It must also contain an endorsement or agreement stating that the insurance provided is in compliance with the coverage provided for bodily injuries, death or property damage. Duncanville law firms typically recommend that clients review the sample motor vehicle policy in order to be aware of the terms. One of the most common areas of confusion is the definition of “motor vehicle.” The phrase is used frequently in statutes that govern the registration of vehicles and financial accountability laws. Some examples of coverage under the motor vehicle policy are commercial auto insurance for vehicles that are used in connection with commercial establishments, business work or occupations that are conducted for profit; automobile liability insurance that includes PIP and MP; and uninsured motorist and underinsured driver coverage (UM/UIM). This kind of insurance is required in many states. Permissive Use If you are not the named insured or family member drives your vehicle and is involved in getting involved in an accident, it's important to understand the way insurance coverage works in these situations. This is known as permissive use. The specific terms of your policy might differ, but in general most large car insurance companies provide this kind of coverage. However, it is crucial to keep in mind that anyone driving your car must have your permission to be held liable for damages. Permission may be expressed or implied, and it typically does not need to be recorded. To determine if there is implied consent, courts look at the relationship of the parties, their past conduct and use of the vehicle, as well as the circumstances surrounding a specific driving event. A court will also look at whether there were any restrictions placed on the scope of permissive use, and if even a minor deviation from the duration, location and limitations of the original permission would violate these restrictions. Remember that adding another driver to your insurance will likely cause your premium to go up, as it makes the vehicle more risky to insure. It is crucial to think about your options before lending your car to other people. If you're not sure whether you should add someone to your policy or not, call Jerry to discuss the specific terms of your insurance policy. Get a no-cost quote.