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Motor Vehicle Legal Terms The laws that govern motor vehicles vary from state to state. In general, the laws assume that the vehicle was used by the owner's permission. The mortality rates are affected by laws that increase penalties, 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. The various definitions used by the federal government in connection with national requirements for fuel economy and licensing standards for commercial vehicle drivers are primarily for administrative purposes and are not applicable to states that determine their own registration classifications. These classifications for vehicles determine whether a motorist must be issued a special license to operate certain types of vehicles. These state laws define the terms “automobile,” “light truck” and other. For example, the definition of light truck is any motor vehicle that has an estimated carrying capacity of 7,500 pounds or less. This excludes pickup trucks as well as panel delivery trucks. It also excludes any combination of vehicles that is specifically designed to carry passengers or property within the structure of the vehicle, which includes manufactured homes and trailers. A wheel chair conveyance is a vehicle with wheels. It is typically used by those who have physical disabilities that make them are unable to walk around as pedestrians. A moped is a motor vehicle with fewer than three wheels that come into contact with the ground that travels at speeds of no more than 35 miles per hour. A pedicab is a vehicle driven by an operator sitting on it. The owner of an automobile is the person who holds the legal title. Traffic Laws Each state has its own set of motor vehicle laws which cover everything from registration procedure to the insurance requirements. These laws also cover the types of vehicles covered by the law. Some of these laws are the same across states, but others are different. For instance there are laws that restrict the number of passengers a person can transport in the pedicab. There are laws that ban reckless driving on certain kinds of roads, including parking spaces. Anyone who drives a motor vehicle in contravention of these laws could face penalties and fines for doing so. Penalties could include having your license revoked or the requirement to take a traffic class. The law that governs speed limits on roads is among the most important laws states have. 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 defines the definition of a “motor vehicle.” This covers every description of a carriage or contrivance that is propelled by mechanical energy and utilized on a public road for the transportation of people or property, or for other commercial use. It does not include semitrailers and trailers, coaches or house trailers as well as vehicles that operate upon rails or tracks snowmobiles, all-terrain and snowmobiles and 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 which protects the insurer against financial loss in the event of injuries to the body or death or property damage caused by a third-party arising from maintaining, operating, or use of an insured vehicle. It may also protect against physical damage to the vehicle. It must contain the name and address the named insured as in addition to the coverage offered by the policy. It also contains the premium charged, the period for the duration of the policy in effect, and the maximum amount of responsibility. It must also include an agreement or endorsement that the insurance provided is in conformity with the coverage described in respect of bodily injury, property damage or death and is subject to all requirements of this chapter. Duncanville law firms often suggest that individuals review a sample motor vehicle policy in order to know the terms. One of the most common areas of confusion is the definition of “motor vehicle.” The phrase is used frequently in statutes that govern vehicle registration and financial responsibility laws. Some examples of coverage provided under a motor vehicle policy include commercial auto insurance for vehicles used for business, commercial establishments, jobs, or other activities which are carried out for profit automobile liability insurance which includes MP and PIP, and uninsured and underinsured motorist coverage (UM/UIM). This kind of insurance is required by several states. Permitted Use It is important to know what insurance coverage is available in the event that someone other than the named insured or a family member is driving your vehicle and causes an accident. This is referred to as permissive use. The specific terms of your policy can vary but generally, the majority of large car insurance providers offer this kind of coverage. motor vehicle accident attorneys washington is important to remember that you are accountable for any damages caused by a driver with your permission. Permission can be express or implied, and typically does not need to be recorded. In determining whether there is implied permission, courts look at the relationship between the parties; their past behavior and use of the vehicle; and circumstances surrounding the particular driving event that is in question. The court will also consider the extent to which restrictions were imposed on the scope of permissive use, and if even one minor deviation from date, time, and location limitations of the initial permission would be in violation of these restrictions. Remember that adding a driver to your auto insurance policy will raise your premiums, as the vehicle becomes more difficult to cover. Therefore, it is important to think about your options carefully before lending your vehicle to other people. If you're unsure whether to add someone to your policy or not. Contact Jerry to discuss the specific terms of your insurance policy and get a no-cost quote.