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Motor Vehicle Legal Terms The laws governing motor vehicles vary from state to state. In general, laws assume that the vehicle was operated by the owner's permission. Laws enhancing penalties, making revocation automatic or targeting social hosts have mixed impacts on mortality rates. Mandatory education, alcohol treatment, and interlock devices all have little effect. Legal Definitions The laws governing the legal definitions of motor vehicles are formulated and decided at the state level. The various definitions that are used for matters pertaining to national requirements for fuel efficiency and licensing requirements for commercial vehicle drivers serve mostly for administrative purposes and do not apply to states that decide their own registration classifications. These classifications of vehicles determine if a driver needs an additional license to operate certain types vehicles. These state laws define the terms “automobile,” “light truck” and many others. For instance light truck, it is any vehicle with a capacity that is less than 7,500 pounds. motor vehicle accident law firm lauderhill excludes pickup trucks and panel delivery trucks. This includes any vehicle or combination designed to carry passengers or property within its own structure. This includes manufactured homes and trailers. A wheel chair is a device with wheels. It is typically used by people who because of physical impairment, are unable to walk as pedestrians. A moped is a vehicle with only three wheels on the ground, and that travels at a maximum speed of 35 miles per hour. A pedal-driven vehicle, is driven by the person sitting on the top. The owner of a vehicle is the person who has the legal title. Traffic Laws Each state has its own set motor vehicle laws which cover everything from registration procedure to insurance requirements. These statutes also address the kinds of vehicles that are subject to the law. Some of these laws are identical across states, but others vary considerably. For instance, there are laws that limit the number of persons one can carry in the pedicab. There are laws that prohibit reckless driving on certain types of roads, like parking areas. If you violate these laws, you may be fined and punished. The penalties could range from getting your driver's license revoked to having to attend the traffic school. One of the most important laws in a state regarding vehicles is the one that governs the speed limits put in place on the roads. In New York, for example it says that the speed limit for a commercial vehicle is the same as for an automobile. The law also sets out the definition of the term “motor vehicle.” This covers every description of carriage or other device that is powered by mechanical force and used on a public highway for the transportation of persons or property, or for other commercial use. It does not include semitrailers and trailers as well as house trailers or coaches or vehicles that only run upon rails or tracks snowmobiles, all-terrain vehicles and snowmobiles, motorized mobility assistance devices used by people with disabilities and self-propelled hay harvesting machines and tractor. Insurance A motor vehicle policy is a contract that protects the insurer from financial loss in the event of bodily injury, death, or property damage caused by a third party that results from the maintaining, operating or the use of an insured vehicle. It may also protect physical damage to the vehicle. It must include the name and address of the named insured as well as the coverage provided by the policy, the amount charged therefor, the period of the policy's effectiveness, and the limits of liability. It should also include an agreement or endorsement that insurance is provided thereunder in accordance with the coverage stated in respect of bodily injury or death or property damage and is subject to all of the rules of this chapter. Duncanville law firms often suggest that clients read the sample motor vehicle policy to understand the terms. One of the most frequently encountered confusions is the definition of “motor vehicle”. This phrase is found in a number of statutes that govern the registration of vehicles as well as financial responsibility laws. Examples of coverages under a motor insurance policy include commercial auto coverage for vehicles that are used for commercial and business establishments or activities, employment, or occupations done for profit, and automobile liability insurance, which includes PIP, MP, and uninsured and underinsured motorist coverage (UM/UIM). This kind of insurance is required in many states. Permissive Use It is crucial to understand how insurance coverage will work in the event that a person other than the named insured or a family member is driving your car and causes an accident. This is referred to as permissive use and the specific terms of your policy could differ, but in general most large car insurance providers offer this kind of coverage. It is important to keep in mind that you are responsible for any damages caused by a driver with your permission. Permission may be granted in the form of a written statement or implied, and it generally does not have to be written down. In determining whether there is implied permission, courts examine the relationship between the parties, their previous conduct and the use of the vehicle; and the circumstances surrounding the specific driving event in question. A court will also examine whether there were any restrictions placed regarding the permissive use and if any minor deviations from the duration, location or restrictions of the permission would violate of these limitations. Remember that adding another driver to your insurance is likely to cause your insurance premium to go higher, since it makes the car more risky to insure. It is essential to think about your options before lending your car to anyone else. If you aren't sure whether to include someone on your policy or not, contact Jerry to discuss the specifics of your insurance policy and receive a no-cost quote.