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Motor Vehicle Legal Terms The laws governing motor vehicles vary from state to state. In general the law, it is assumed that the vehicle is operating with the permission of the owner. The mortality rates are affected by laws that increase penalties that make revocation automatic or specifically target social hosts. Mandatory education, alcohol treatment, and interlock devices have a limited impact. Legal Definitions State laws regulate the legal terms used by motor vehicles. The federal definitions for national fuel economy standards and licensing requirements for commercial vehicle drivers are primarily administrative in nature and do not apply when states decide on their own classifications of registration. These vehicle registration classifications determine if a driver needs to get a license specific to operate certain kinds of vehicles. The state laws define the terms “automobile,” “light truck” and other. As an example light truck, it is any vehicle with a manufacturer-rated carrying capacity less than 7,500 pounds. This excludes panel delivery vehicles and pickup trucks. This is any vehicle or combination designed to transport people or property within its own structure. This includes manufactured homes and trailers. A wheel chair conveyance is a device equipped with wheels, typically used by persons who have physical disabilities that make them, are unable to walk as pedestrians. A moped is an automobile with no more than three wheels on the ground, and that travels at an maximum speed of 35 miles per hour. A pedicab is a type of vehicle that is driven by an operator who sits on it. The owner of a vehicle is the person who holds the legal title. Traffic Laws Typically, every state has its own set of motor vehicle law that encompass everything from registration process to insurance requirements. They also regulate the types of vehicles covered by law. While certain laws are similar between states, some are very different. There are laws that limit how many people can be carried in a pedicab. There are laws that prohibit reckless driving in certain types of roads, such as parking lot. If you violate these laws, you may be punished and fined. The penalties vary from getting your driver's license revoked to being required to attend the traffic school. One of the most important laws in a state pertaining to vehicles is that which governs the speed limits placed on roads. In New York, for example it is stated that the speed limit for commercial vehicle is identical to that of an automobile. It also defines a “motor vehicle” as any vehicle or any other device that moves mechanically and used on the highway to transport people or property, or for other commercial purposes. The law does not include trailers, coaches and semitrailers, all terrain and snowmobile vehicles and motorized mobility assist devices used by disabled people and self-propelled corn as well as hay harvesting machines. Insurance A motor insurance policy for vehicles is an agreement between the insurer and insured which provides insurance against financial losses arising from liability for bodily injuries or death, property damage to a third-party arising out of the ownership, operation, maintenance or use of a covered car. It can also offer protection against physical damage to the insured vehicle. It must include the name and address of the named insured as along with the coverage provided by the policy. It also contains the amount of the premium and the time frame for which the policy is in effect, as well as the maximum amount of responsibility. It must also include an agreement or endorsement that the insurance provided is in accordance with the coverage stated in respect of injuries to the body, property damage or death and is subject to all of the provisions of this chapter. Duncanville law firms frequently suggest that individuals review a sample motor vehicle policy to be aware of the terms. One of the biggest areas of confusion is the definition of the term “motor vehicle.” The phrase is used frequently in statutes governing the registration of vehicles and financial responsibility laws. Examples of coverages offered under a motor policy include commercial auto coverage for vehicles used for business, commercial establishments or activities, employment, or jobs done to earn money, automobile liability coverage, which includes PIP MP,, and uninsured and underinsured driver coverage (UM/UIM). A majority of states require drivers to have this kind of insurance. Permissive Use It is essential to know how insurance coverage works in the event that 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 vary, but most large car insurers offer this type coverage. It is important to remember that you are liable for any damages caused by a driver who has your permission. Permission can be express or implied and does not typically require a written document. In determining if there is an implied permission, courts consider the relationship between the parties; their prior conduct and usage of the vehicle; and the circumstances surrounding the specific driving event. A court will also look at whether any restrictions were made on the scope of permissive usage, and if even minor deviations from the time, place and usage limitations of an initial permission would violate of these limitations. Remember that adding an additional driver to your auto insurance policy could increase your premium, as the vehicle becomes more risky to insure. It is essential to weigh your options before lending out your vehicle to other people. If motor vehicle accident lawyer south gate 're not sure whether to add someone to your policy or not, get in touch with Jerry to discuss the specifics of your insurance policy. Get a no-cost quote.