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Motor Vehicle Legal Terms The laws for 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 affected by laws that increase penalties or make revocation automatic or specifically target social hosts. All of these measures, which include mandatory education, alcohol treatment and interlock devices, have only a tiny effect. Legal Definitions The laws that govern the legal definitions of motor vehicles are formulated and decided at the state level. The definitions used by the federal government for national standards for fuel economy and licensing requirements for commercial vehicle drivers are mostly administrative, and they do not have any effect to states that decide their own registration classifications. The classifications of a vehicle's registration determine if a driver needs to obtain a special license to operate certain types of vehicles. The state laws define the terms “automobile,” “light truck” and other. As an example an example, a light truck is any vehicle with a capacity that is less than 7,500 pounds. This excludes pickup trucks as well as panel delivery trucks. It also excludes any combination of vehicles specifically designed to carry passengers or property completely within its own structure, like manufactured homes and trailers. Wheel chairs are a vehicle with wheels, which is used by people who have physical disabilities and cannot walk. Mopeds are motor vehicle with no more 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 pedicab is a vehicle driven by a driver who is sitting on it. The owner of a vehicle is the one who is the legal owner. Traffic Laws Typically, every state has its own set of motor vehicle laws, which cover everything from the registration process to insurance requirements. They also regulate the types of vehicles covered by the law. While certain laws are fairly similar across states, some are very different. There are laws that restrict how many people can be carried in a pedicab. There are laws that ban reckless driving on certain kinds of roads, including parking lots. If you are in violation of these laws, you could be punished with a fine and/or a penalty. Penalties can include having your license revoked or having to attend traffic school. One of the most important laws in a state regarding vehicles is the speed limits that are placed on roads. In New York for example, the speed limit is the same for commercial vehicles as it is for automobiles. The law also sets out the definition of a “motor vehicle.” This includes every description of carriage or other device that is powered by mechanical energy and used on a highway for the transportation of people or property, or for any other commercial purpose. The law excludes trailers coaches and semitrailers, all-terrain and snowmobiles as well as motorized mobility assist devices used by disabled people and self-propelled corn as well as harvesting machines for hay. Insurance A motor vehicle insurance policy is an agreement between the insurer and insured that protects against financial loss resulting from the liability for bodily injury, property damage to a third party, arising from the ownership operating, maintenance, or the use of a covered automobile. It also provides protection against physical damage to the vehicle. It must state the name and address of the named insured as well as the coverage provided by the policy, the amount charged therefor, the period of effectiveness and the limits of liability. It must also contain an agreement or an endorsement that states that the insurance is in accordance with coverage specific to bodily injury and death, as well as property damage. The language used in a motor vehicle insurance policy can be confusing to the average person. Duncanville law firms often suggest that individuals read a sample policy to fully comprehend the terms. One of the biggest areas of confusion is the definition of “motor vehicle.” The phrase appears often in statutes governing the registration of vehicles and financial responsibility laws. A few examples of coverage under the motor vehicle policy are commercial auto insurance for vehicles that are used in connection with business, commercial establishments, occupations, or activities that are conducted for profit; automobile liability insurance that includes MP and PIP, and underinsured and uninsured motorist coverage (UM/UIM). Many states require drivers to have this type of insurance. Permitted Use It is essential to understand how insurance coverage will work 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 might vary, but most large car insurers offer this type coverage. It is important to keep in mind that you are accountable for any damages caused by a driver with your permission. Permission can be express or implied, and typically does not need to be recorded. In determining whether there is implied motor vehicle accident attorneys lowell , courts will look at the relationship between the parties, their previous behavior and use of the vehicle, as well as the circumstances surrounding the particular driving event. A court will also consider whether any restrictions were imposed on the scope of permissive usage, and if even minor deviations from the time, location and usage restrictions of the permission would violate of these restrictions. Be aware that adding a driver to your auto insurance policy will likely raise your premiums, as the vehicle becomes more risky to cover. Therefore, you must be aware of your options before lending your car to others. If you aren't sure whether to include someone on your policy or not, contact Jerry to discuss the specific terms of your insurance policy. Get an estimate for free.