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Motor Vehicle Legal Terms The laws governing motor vehicles are different from state to state. In general, the law assumes that the vehicle is operating by the owner's permission. The mortality rates are affected by laws that increase penalties and make revocation automatic or target social hosts. All of these measures, which include mandatory education, alcohol treatment, and interlock devices, have a little effect. Legal Definitions State laws govern the legal definitions of motor vehicles. The various definitions that are used for matters pertaining to national requirements for fuel economy and licensing standards for commercial vehicle drivers serve mainly for administrative reasons, and do not apply to states that are determining their own registration classifications. These classifications of vehicles determine if a driver requires special licenses to operate certain kinds of vehicles. These state laws define the terms “automobile,” “light truck” and other. For instance, the definition of light truck is any motor vehicle with the capacity of the manufacturer's rated carrying capacity of 7,500 pounds or less. This excludes panel delivery trucks and pickup trucks. This includes any vehicle or combination that is designed to transport people or property within its own structure. This includes manufactured homes and trailers. motor vehicle accident lawsuit wilmington is a machine with wheels, used primarily by those who are physically disabled and cannot walk around as pedestrians. A moped is an automobile with not more than three wheels on the ground, and that can travel at the speed of 35 miles per hour. A pedicab is a motorized vehicle driven by an operator who sits on it. A person who owns the legal title to a vehicle is referred to as the owner of the vehicle. Traffic Laws Each state has its own set motor vehicle laws that cover everything from the registration process to the insurance requirements. The statutes also cover the types of vehicles covered by the law. Some of these laws are akin across states, however other laws differ significantly. For instance there are laws that limit the number of persons a person can transport in a pedicab. There are laws against reckless driving on certain types of roads, like a parking lot. Any person who operates a motor vehicle in contravention of these laws could face penalties and fines for violating these laws. The penalties vary from getting your driver's license revoked to being required to attend a traffic school. One of the most important laws in a state pertaining to vehicles is the speed limits set on roadways. In New York, for example it stipulates that the speed limit for commercial vehicle is the same as that of an automobile. It also defines the term “motor vehicle” as any carriage or other device that is powered mechanically and used on roads to transport people or property, or for other commercial uses. It does not include trailers and semitrailers as well as house trailers or coaches, vehicles that run only on tracks or rails snowmobiles, all-terrain vehicles and snowmobiles, motorized mobility assistance devices operated by a person with disabilities and self-propelled hay harvesting machines and tractors. Insurance A motor insurance policy for vehicles is a contract between the insurer and insured that protects against financial losses arising from liability for bodily injury or death, property damage to a third-party arising from ownership and operation, maintenance or the use of a covered automobile. It can also provide protection against physical damage to the vehicle. It must state the address and name of the insured named the policy, the coverage provided by the policy, the cost charged therefor, the period of effectiveness and the limits of liability. It must also include an agreement or endorsement stating that the insurance is in accordance with coverage that is specifically outlined for bodily injury, death or property damage. The wording in the motor vehicle policy may be confusing to the average person. Duncanville law firms often suggest that individuals read a sample policy to fully comprehend the terms. One of the most frequently encountered areas of confusion is the definition of “motor vehicle.” The phrase is used frequently in statutes governing vehicle registration and financial responsibility laws. Examples of coverages covered under the motor policy include commercial auto insurance for cars used for business, commercial establishments or other activities, employment or jobs carried out for profit, and automobile liability coverage, which comprises PIP MP,, and uninsured and underinsured coverage for drivers (UM/UIM). This type of insurance is required by many states. Permitted Use If someone other than a named insured or family member drives your vehicle and is involved in getting involved in an accident, it is crucial to know how insurance coverage works in these situations. This is known as permissive use. The specific terms of your policy might differ but generally, the majority of major car insurance companies provide this kind of insurance. However, it is important to note that the person driving your car must have your permission to be held responsible for any damage. Permission may be granted in the form of a written statement or implied, and generally does not have to be written down. In determining if there is an implied permission, courts will look at the relationship between the parties; their past behavior and use of the vehicle; as well as the circumstances surrounding the specific driving event. A court also will consider whether any restrictions were imposed on the scope of permissive use, and if even slight deviation from the time, place, and usage limitations of the permission would violate these restrictions. Keep in mind that adding another driver to your car insurance could increase your insurance premium up since it makes the vehicle more risky to insure. It is therefore important to weigh your options carefully before lending your vehicle to anyone else. Contact Jerry to get a free insurance quote and discuss the policy's terms.