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Motor Vehicle Legal Terms The laws that govern motor vehicles vary from one state to the next. In general, the law assumes that the vehicle is being operated with the permission of the owner. Laws enhancing penalties that make revocation automatic or targeting social hosts can have mixed effects on mortality rates. Mandatory education, treatment for alcohol, and interlock devices have minimal effects. Legal Definitions The laws governing motor vehicle legal terms are formulated and decided at the state level. The various definitions that are used for matters related to national requirements for fuel economy and licensing standards for commercial vehicle drivers are primarily for administrative purposes and are not applicable to states determining their own registration classifications. The classifications of a vehicle's registration determine whether a driver has to obtain a special license to operate certain types of vehicles. The laws of the state define terms like “automobile,” “light trucks” and others. For instance light truck, it's any motor vehicle that has a capacity of carrying less than 7,500 pounds. This excludes panel delivery vehicles and pickup trucks. Also, it excludes any combination of vehicles that is specifically designed to carry property or passengers wholly within its own structure, such as trailers and manufactured homes. Wheel chairs are a vehicle equipped with wheels and is used by those who have physical disabilities and cannot walk. Mopeds are motor vehicle with not more than three wheels that come into contact with the ground that operates at a speed not more than 35 miles per hour. A pedicab, or pedal-driven vehicle, is driven by the driver sitting on the top of it. The person who has the legal title to a vehicle is called the owner of the vehicle. Traffic Laws Typically, each state has its own set of motor vehicle law that encompass everything from registration process to insurance requirements. These laws also address the types of vehicles subject to the law. While certain laws are similar between states, others are quite different. For instance there are laws that limit the number of people you can carry in the pedicab. There are laws against reckless driving in certain types of roads, such as parking lots. If you do not follow these laws, you may be fined and punished. The penalties can vary from getting your driver's license revoked or being required to attend a traffic school. The law that regulates speed limits on roads is among the most important laws a state has. In New York, for example, it states that the speed limit for a commercial vehicle is similar to that of an automobile. It also defines the term “motor vehicle” as any vehicle or other device that is powered mechanically and used on a highway to transport property or people or for other commercial uses. It does not include trailers and semitrailers such as coaches or house trailers or vehicles that only run on tracks or rails snowmobiles and all-terrain vehicle as well as motorized mobility aids that are operated by a person who has a disability and self-propelled hay harvesting or corn harvesting machines and tractors. Insurance A motor vehicle insurance policy is an agreement between the insured and the insurer that provides insurance against financial loss due to the liability for bodily injury, death, property damage to a third party arising out of ownership operating, maintenance, or use of a covered vehicle. motor vehicle accident attorney little rock can also offer protection against physical damage to the vehicle itself. It must contain the address and name of the named insured and the amount of coverage offered by the policy, the premium payable, the duration of effectivity and the limits of liability. It should also include an agreement or endorsement stating that the insurance offered 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 people read a sample motor vehicle policy in order to be aware of the terms. One of the most frequently encountered confusions is the definition of “motor vehicle”. This phrase is found in a number of 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 in connection with business, commercial establishments, work or occupations which are carried out for profit auto liability insurance that covers MP and PIP as well as uninsured motorist and underinsured driver coverage (UM/UIM). Many states require drivers to carry this type of insurance. Permitted Use If you are not the named insured or a family member drives your vehicle and is involved in getting involved in an accident, it is important to understand how insurance coverage works in these scenarios. This is referred to as permissive use. The specific terms of your insurance policy may vary, but most large car insurers offer this type coverage. It is important to remember that you are responsible for any damages caused by a driver with your permission. Permission can be given in writing or implied, and it is not required to be recorded. To determine if there is implied consent, courts examine the relationship between the parties, their prior 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 usage and if even minor deviations from duration, location or limitations of the original permission would be in violation of these restrictions. Be aware that adding the driver to your auto insurance policy could increase the cost of your insurance, since the vehicle becomes more difficult to cover. It is important to carefully weigh your options before lending your car to someone else. If you are unsure about whether to add someone to your policy or not, contact Jerry to discuss the specifics of your insurance policy and get a no-cost quote.