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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 a vehicle is being operated with the permission of the owner. The mortality rates are influenced by laws that increase penalties or make revocation automatic or specifically target social hosts. Mandatory education, alcohol treatment and interlock devices all have little effect. Legal Definitions State laws regulate the legal terms used by motor vehicles. motor vehicle accident attorneys chico for national standards for fuel economy and licensing requirements for commercial vehicle drivers are mostly administrative in nature and do not apply when states determine their own classifications for registration. The classifications of a vehicle determine if a driver needs special licenses to operate certain types vehicles. The laws of the state define terms like “automobile,” “light trucks” and others. For instance, a light truck is any vehicle with a capacity that is less than 7,500 pounds. This excludes panel delivery trucks and pickup trucks. This includes any vehicle or combination of vehicles that is designed to carry passengers or property within its own structure. This includes manufactured homes and trailers. A wheel chair is a device equipped with wheels, typically used by persons who have physical disabilities that make them cannot move about as pedestrians. A moped is a motor vehicle with fewer than three wheels in contact with the ground. It operates at a speed not more than 35 miles per hour. A pedicab is a motorized vehicle which is driven by a driver who is sitting on it. The person who has the legal title to a vehicle is called the owner. Traffic Laws Typically, every state has its own set of motor vehicle laws which regulate everything from the registration process to the insurance requirements. The laws also deal with the kinds of vehicles protected by law. Some of these laws are akin across states, but others vary considerably. For instance there are laws that limit the number of persons you can carry in a pedicab. There are also laws that ban reckless driving on certain types of roadways, such as parking spaces. Any person who operates a motor vehicle in violation of these laws could be penalized and liable for fines for doing so. Penalties could include having your license revoked or being required to take a traffic class. One of the most important laws in a state pertaining to vehicles is that which governs the speed limits set on roadways. In New York for example, the speed limit is the same for commercial vehicles and automobiles. The law also sets out the definition of the term “motor vehicle.” This includes every description of carriage or other contrivance that is propelled by mechanical power and is employed on a public highway for the transportation of persons or property, or for any other commercial use. The law does not include trailers, coaches and semitrailers, all-terrain and snowmobiles motorized mobility assist systems operated by people with disabilities and self-propelled corn as well as harvesting machines for hay. Insurance A motor vehicle insurance policy is a contract between the insured and the insurer that protects against financial loss due to liability for bodily injury or property damage to a third party, arising out of ownership, operation, maintenance or use of a covered car. It also provides protection against physical damage to the covered vehicle. It must include the name and address of the named insured as well as the coverage provided by the policy. It also includes the premium charged, the period for the duration of the policy in effect, and the limits of responsibility. It must also include an agreement or endorsement that states that the insurance offered is in accordance with the coverage provided for bodily injuries or death, or property damage. Duncanville law firms frequently suggest that individuals review a sample motor vehicle policy in order to understand the terms. One of the most frequent areas of confusion is the definition of “motor vehicle.” The phrase is used often in statutes governing registration of vehicles as well as financial responsibility laws. Examples of coverage under a motor vehicle policy include commercial auto insurance for vehicles used in connection with commercial, business, jobs, or other activities which are carried out for profit automobile liability insurance, which includes MP and PIP; and underinsured and uninsured motorist coverage (UM/UIM). A majority of states require drivers to have this type of insurance. Permitted Use If someone other than a named insured or a family member drives your car and gets into an accident, it's important to understand how insurance coverage works in these instances. This is known as permissive usage. The specific terms of your insurance policy might differ, but most large insurance companies offer this type of coverage. However, it is crucial to keep in mind that anyone driving your vehicle must have your permission to be held responsible for any damage. Permission can be express or implied, and typically does not need to be written down. In determining whether there is implied permission, courts examine the relationship between the parties, their previous behavior and use of the vehicle; as well as the circumstances surrounding the specific driving incident in question. A court will also look at whether any restrictions were placed on the scope of permissive use and if even minor deviations from time, location and use restrictions of the permission would be in violation of these limitations. Be aware that adding an additional driver to your insurance policy will likely increase the cost of your insurance, since the vehicle becomes more risky to cover. It is therefore important to be aware of your options before lending your vehicle out to anyone else. Contact Jerry to get a free insurance quote and discuss the terms of your policy.