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Motor Vehicle Legal Terms The laws for motor vehicles vary from state to state. In general, laws assume that the vehicle was used with the owner's consent. Laws that enhance penalties such as making revocation automatic and targeting social hosts can have mixed impacts on mortality rates. All of these measures, including mandatory education, alcohol treatment and interlock devices, have only a tiny impact. Legal Definitions State laws govern the legal definitions of motor vehicles. The various definitions that are used in connection with national requirements for fuel economy and licensing requirements for commercial vehicle drivers are primarily for administrative reasons, and are not applicable to states determining their own registration classifications. These classifications for vehicle registrations determine whether a driver must obtain a special license to operate certain kinds of vehicles. These state laws define the terms “automobile,” “light truck” and others. For example the definition of light truck includes every motor vehicle with a manufacturer's rated carrying capacity of less than 7,500 pounds. This excludes panel delivery trucks and pickup 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 machine with wheels. It is usually used by people who, due to physical disability are unable to walk around as pedestrians. A moped is an automobile with at most three wheels on the ground and that can travel at a maximum speed of 35 miles per hour. A pedicab, also known as pedal-driven vehicle, is one that is driven by the driver sitting on top of it. The owner of an automobile is the person who holds the legal title. Traffic Laws Each state has its own motor vehicle laws that cover everything from registration process to the insurance requirements. The laws also deal with the kinds of vehicles protected by law. While certain laws are similar across states, others are quite different. For instance, there are laws that limit the number of people you can carry in a pedicab. There are laws that ban reckless driving on certain types of roads, including parking lot. Any person who operates a motor vehicle that is in violation of these laws could be penalized and liable for fines for violating these laws. The penalties can range from having your driver's license suspended or being required to attend an traffic school. One of the most important laws a state has regarding vehicles is that which governs the speed limits that are put in place on the roads. In New York for example, the speed limit is the same for commercial vehicles and automobiles. It also defines a “motor vehicle” as any carriage or other device that is driven mechanically and is used on roads to transport people or property or for other commercial uses. The law does not include trailers, coaches, semitrailers, all-terrain and snowmobiles, motorized mobility assist devices used by disabled people as well as self-propelled corn and hay harvesting machines. Insurance A motor vehicle insurance policy is an agreement between the insurer and insured that provides insurance against financial losses arising from liability for bodily injuries or death, property damage to a third party that arises out of ownership and operation, maintenance or the use of a covered automobile. It can also protect against physical damage to the vehicle. It must include the name and address the named insured as along with the coverage provided by the policy. It also contains cost of the policy and the time frame for the duration of the policy in force, and the limits of liability. It must also contain an agreement or endorsement that states that the insurance is in line with the coverage provided for bodily injuries, death or property damage. The language in the motor vehicle policy could be confusing to anyone, and Duncanville law firms will often recommend that an individual review a sample policy to fully comprehend the terms. One of the biggest confusions is the definition of “motor vehicle”. This phrase is found in a number of statutes that govern the registration of vehicles and financial accountability laws. Examples of coverages covered under the motor policy include commercial auto insurance for cars used for business, commercial establishments or activities, employment, or occupations carried out for profit, automobile liability insurance, which covers PIP MP,, and uninsured and underinsured motorist coverage (UM/UIM). motor vehicle accident attorney el paso of insurance is required by a number of states. Permissive Use It is important to know the way insurance coverage works if someone other than the named insured or a family member is driving your vehicle and causes an accident. This concept is known as permissive use. The specific terms of your policy could differ, but in general most large car insurance providers offer this kind of insurance. However, it is crucial to note that a person driving your car must have your permission to be held responsible for damages. Permission may be either implied or explicit and does not typically need to be in writing. In determining if there was implied consent, courts take into consideration the relationship between the parties, their prior conduct and usage of the vehicle and the circumstances surrounding a specific driving event. A court will also look at whether any restrictions were imposed on the permissive usage and if any minor deviations from the duration, location or restrictions of the initial permission would violate of these limitations. Be aware that adding a driver to your car insurance could cause your premium to go up, since it makes the vehicle more risky to insure. It is therefore important to weigh your options carefully before giving your vehicle over to other people. Contact Jerry to get a free insurance quote and to discuss the policy's terms.