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Motor Vehicle Legal Terms

The laws that govern motor vehicles vary between states. In general the law, it assumes that a vehicle is being operated with its owner's permission.

Laws enhancing penalties and making revocation automatic, or targeting social hosts have mixed impact on mortality rates. Mandatory education, alcohol treatment and interlock devices have a limited impact.

Legal Definitions

The laws that govern the legal definitions of motor vehicles are defined and determined at the state level. The various federal definitions used for matters pertaining to national requirements for fuel efficiency and licensing requirements for commercial vehicle drivers serve mainly for administrative purposes, and do not apply to states that determine their own registration classifications. These classifications of vehicles determine if a driver requires special licenses to operate certain types of vehicles.

These laws define terms such as "automobile," "light trucks" and more. For example the definition of a light truck comprises every motor vehicle with an estimated carrying capacity of less than 7,500 pounds. This excludes pickup trucks and panel delivery trucks. It also excludes any vehicle or combination of vehicles that is specifically designed to transport passengers or property completely within the structure of the vehicle, which includes manufactured homes and trailers.

Wheel chairs are a vehicle equipped with wheels and is used by people who physically disabled and are unable to walk. A moped is an automobile with only three wheels on the ground, and that can travel at maximum speed of 35 miles per hour.

A pedicab is a motorized vehicle driven by a driver who is sitting on it. The owner of an automobile is the person who owns the legal title.

Traffic Laws

Each state has its own motor vehicle accidents vehicle laws that cover everything from registration process to insurance requirements. They also regulate the types of vehicles covered by law. Some of these laws are similar across states, however others are different. There are laws that restrict the number of people who can be carried in a pedicab. There are also laws that prohibit reckless driving on certain types of roads, like parking areas.

Any person who operates a motor vehicle in violation of these rules could be punished with fines and penalties for violating these laws. Penalties can include having your license suspended or the requirement to attend traffic school.

The law governing speed limits on roads is among the most important laws states have. In New York, for example it stipulates that the speed limit for a commercial vehicle is the same as that of an automobile.

It also defines the term "motor vehicle" as any carriage or other device that is powered mechanically and is used on roads to transport property or people, or for other commercial reasons. The law does not include trailers, coaches and semitrailers, all terrain and snowmobile vehicles, motorized mobility assist devices operated by people with disabilities as well as self-propelled corn and harvesting machines for hay.

Insurance

A motor vehicle insurance policy is a contract that protects the insurer against financial loss caused by bodily injury or death or property damage caused by a third party caused by the ownership, operation, maintenance, or use of an insured vehicle. It can also offer protection against physical damage to the insured vehicle itself. It must contain the name and address of the insured named as well as the coverage provided by the policy, the cost charged therefor, the period of its effectiveness, and the limits of liability. It should also include an agreement or endorsement that states that the insurance is in line with the coverage that is specifically outlined for bodily injury and death, as well as property damage.

The language in the motor vehicle accident law firms vehicle policy may be confusing to the average person. Duncanville law firms will often recommend that a person read the policy sample to fully know the terms. One of the most common areas of confusion is the definition of "motor vehicle." The phrase appears often in statutes governing the registration of vehicles and financial responsibility laws.

Examples of the coverages that are covered under a motor policy include commercial auto coverage for vehicles that are used for commercial and business establishments or for employment, activities, or occupations that are done for profit, as well as automobile liability coverage, which comprises PIP MP, PIP, and uninsured and underinsured motorist coverage (UM/UIM). This type of insurance is required by a number of states.

Permitted Use

It is essential to understand what insurance coverage is available when someone other than the named insured or a family member drives your vehicle and causes an accident. This is referred to as permissive use. The specifics of your insurance policy might differ, but the majority of large insurance companies offer this type of coverage.

It is important to remember that you are liable for any damage caused by a driver who has your permission. Permission can be given in writing or implied, and generally does not have to be recorded.

To determine if there is implied consent, courts will take into consideration the relationship between the parties, their past behavior and the use of the vehicle, as well as the circumstances surrounding a particular driving incident. A court also will consider the extent to which restrictions were imposed on the permissive use and if even a minor deviation from the date, time, and location restrictions of the original permission would violate these limitations.

Be aware that adding an additional driver to your auto insurance policy could increase your premium, as the vehicle becomes more difficult to insure. It is important to think about your options before lending out your vehicle to someone else. Contact Jerry for a no-cost insurance quote and discuss your policy terms.