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Motor Vehicle Legal Terms The laws governing motor vehicles vary from one state to another. In general, laws assume that the vehicle was operated with the owner's consent. The mortality rates are affected by laws that increase penalties or make revocation automatic or specifically target social hosts. All of these measures, such as obligatory education, alcohol treatment, and interlock devices have a tiny impact. Legal Definitions The laws governing the legal definitions of motor vehicles are defined and determined at the state level. The federal definitions of national standards for fuel economy and licensing requirements for drivers of commercial vehicles are mostly administrative in nature and do not apply when states establish their own classifications for registration. The classifications of a vehicle's registration determine whether a motorist must get a license specific to operate certain kinds of vehicles. motor vehicle accident lawsuit oceanside define the terms “automobile,” “light truck” and many others. As an example, a light truck is any motor vehicle that has a capacity of carrying less than 7,500 pounds. This excludes pickup trucks and panel delivery trucks. This includes any vehicle or combination designed to transport people or property within its own structure. This includes manufactured homes and trailers. Wheel chair is a conveyance with wheels that is utilized by people who have physical disabilities and cannot walk. Mopeds are motor vehicle with fewer than three wheels that are in contact with the ground that can travel at speeds not more than 35 miles per hour. A pedicab is a motorized vehicle that is driven by an operator sitting on it. The owner of the vehicle is the person who is the legal owner. Traffic Laws Each state has its own motor vehicle laws that cover everything from the registration procedure to the insurance requirements. The statutes also cover the types of vehicles that are covered by the law. Some of these laws are the same across states, however others are different. There are laws that restrict the number of people who can be transported by pedicab. There are laws against reckless driving on certain kinds of roads, such as parking lot. Anyone who drives a motor vehicle that is in violation of these laws could be fined and punished for doing so. The penalties could range from getting your driver's license revoked to being required to attend an traffic school. One of the most important laws in a state regarding vehicles is the speed limits placed on roads. In New York, for example, it states that the speed limit for a commercial vehicle is the same as that of an automobile. The law also sets out the definition of a “motor vehicle.” This includes every description of a carriage or device that is driven by mechanical energy and utilized on a public road for the transportation of people or property, or for any other commercial purpose. It excludes semitrailers and trailers as well as house trailers or coaches as well as vehicles that operate on tracks or rails, snowmobiles and all-terrain vehicles as well as motorized mobility aids used by people with disabilities and self-propelled hay harvesting or corn harvesting machines and tractor. Insurance A motor vehicle policy is a contract that covers the insurer against financial losses due to liability for bodily harm or death or property damage caused by a third-party due to the operating, ownership, maintenance or use of an insured vehicle. It can also provide protection against physical damage to the insured vehicle itself. It must include the address and name of the insured named and the amount of coverage offered by the policy, the cost that is charged, the period of the policy's effectiveness, and the limits of liability. It should also contain an agreement or endorsement that the insurance is provided in conformity with the coverage described in the policy for bodily injury or property damage, and is subject to the requirements of this chapter. The language in a motor vehicle policy can be confusing for anyone, and Duncanville law firms usually recommend that individuals review an example policy to comprehend the terms. One of the most frequent confusions is the definition of “motor vehicle”. The phrase is found in numerous statutes that govern the registration of vehicles and financial responsibility laws. Examples of the coverages that are covered under the motor policy include commercial auto coverage for automobiles used for business, commercial establishments or activities, employment, or jobs performed for profit, automobile liability coverage, which includes PIP MP, PIP, and uninsured and underinsured motorist coverage (UM/UIM). This kind of insurance is required by many states. Permissible Use If someone other than the named insured or family member is driving your car and gets into an accident, it's important to understand how insurance coverage works in these instances. This concept is known as permissive use and the specific terms of your policy could differ, but in general most large car insurance companies provide this kind of insurance. However, it is important to keep in mind that anyone driving your vehicle must have your permission for you to be held accountable for any damages. Permission may be expressed or implied, and it typically does not need to be recorded. In determining if there is an implied permission, courts examine the relationship between the two parties; their previous behavior and use of the vehicle, as well as the circumstances surrounding the particular driving event in question. A court also will consider whether there were any restrictions placed on the scope of permissive use. It will also consider if slight deviation from the date, time, and location restrictions of the original permission would be in violation of these restrictions. Be aware that adding the driver to your auto insurance policy could raise your premiums, as the vehicle becomes more difficult to cover. It is crucial to think about your options before lending your car to others. If you are unsure about whether to add someone to your policy or not, contact Jerry to discuss the specific terms of your insurance policy. Get an estimate for free.