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Motor Vehicle Legal Terms The laws regarding motor vehicles differ from state to state. In general the law, it is assumed that the vehicle is operated by the owner's permission. The mortality rates are influenced by laws that increase penalties, make revocation automatic, or make social hosts targets. All of these measures, such as mandatory education, alcohol treatment, and interlock devices, have a tiny impact. Legal Definitions State laws govern the legal definitions of motor vehicles. The definitions used by the federal government for national standards for fuel economy and licensing standards for commercial vehicle drivers are primarily administrative in nature and do not apply when states determine their own classifications of registration. These classifications for vehicles determine if a driver needs to be issued a special license to operate certain types of vehicles. These state laws define the terms “automobile,” “light truck” and other. As an example light truck, it is any motor vehicle that has an rated capacity of less than 7,500 pounds. This excludes panel delivery vehicles and pickup trucks. This is any vehicle or combination that is designed to transport passengers or property within its own structure. This includes manufactured homes and trailers. Wheel chairs are vehicles with wheels, which is used by those who physically disabled and are unable to walk. A moped is an automobile with at most three wheels on the ground and that travels at maximum speed of 35 miles per hour. A pedicab vehicle is one driven by a driver who is sitting on it. The owner of a vehicle is the one who is the legal owner. Traffic Laws Typically, every state has its own set of motor vehicle laws, which cover everything from the registration process to the insurance requirements. These statutes also address the types of vehicles covered by law. While certain laws are similar between states, some are very different. For instance there are laws that restrict the number of people one can carry in a pedicab. There are laws that ban reckless driving on certain types of roads, including parking lot. If you are in violation of the law, you could be punished with a fine and/or a penalty. Penalties could include being unable to drive or having your license suspended, or being required to attend traffic school. One of the most important laws in a particular state regarding automobiles is that it governs the speed limits placed on roads. In New York for example, the speed limit is the same for commercial vehicles and automobiles. The law also defines the definition of the term “motor vehicle.” This includes every description of a vehicle or device that is powered by mechanical power and is used on a public highway for the transportation of persons or property or for any other commercial purpose. The law excludes trailers, coaches, semitrailers, all-terrain and snowmobiles motorized mobility assist systems that are operated by people with disabilities, and self-propelled corn and hay harvesting machines. Insurance A motor vehicle insurance policy is an agreement between the insurer and insured that protects against financial losses arising from the liability for bodily injury, property damage to a third party that arises from ownership operating, maintenance, or use of a covered vehicle. It may also provide protection against physical damage to the vehicle. It must include the name and address the named insured as in addition to the coverage offered by the policy. It also contains cost of the policy, the period for the period for which the policy is in effect, as well as the limits of liability. It should also include an agreement or endorsement that the insurance provided is in accordance with the coverage stated in the policy, in relation to bodily injury or death or property damage and is subject to all requirements of this chapter. The wording in the motor vehicle policy could be confusing for the average person, and Duncanville law firms often recommend that an individual review a sample policy to fully know the terms. One of the biggest confusions is the definition of “motor vehicle”. This phrase is used in a number of statutes that govern vehicle registration and financial responsibility laws. Examples of the coverages that are covered under a motor insurance policy include commercial auto insurance for cars that are used for commercial, business establishments or other activities, employment or occupations done for profit, and automobile liability insurance, which includes PIP MP, PIP, and uninsured and underinsured driver coverage (UM/UIM). motor vehicle accident attorney boynton beach of states require drivers to carry this kind of insurance. Permissive Use If someone other than the named insured or family member drives your car and gets involved in an accident, it's important to understand the way insurance coverage works in these situations. This is known as permissive usage. The specifics of your insurance policy could differ, but most large car insurers offer this type of coverage. It is crucial to remember that you are responsible for any damage caused by a driver with your permission. Permission can be express or implied and does not typically have to be written. In determining if there was implied consent, courts examine the relationship between the parties, their prior conduct and use of the vehicle as well as the circumstances surrounding a specific driving incident. A court also will consider the extent to which restrictions were imposed on the permissive use and if even a minor deviation from the time, place, and usage limitations of the initial permission would violate these limitations. Keep in mind that adding a driver to your car insurance is likely to cause your insurance premium to go up since it makes the vehicle more risky to insure. It is crucial to consider your options prior to giving your vehicle over to others. If you're not sure whether you should add someone to your policy or not, get in touch with Jerry to discuss the specifics of your insurance policy. Get a free quote.