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Motor Vehicle Legal Terms

The laws that govern motor vehicle accident law firm vehicles vary from one state to another. In general, the laws assume that a vehicle was operated with the consent of the owner.

Laws that enhance penalties and making revocation automatic, or the targeting of social hosts have mixed impact on mortality rates. Mandatory education, alcohol treatment and interlock devices have little effect.

Legal Definitions

State laws regulate the legal terms used by motor vehicle accident attorney vehicles. The various definitions used by the federal government for matters related 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 determine their own registration classifications. These classifications of vehicles determine if a motorist requires special licenses to operate certain types vehicles.

The laws of the state define terms like "automobile," "light trucks" and other terms. For instance, the definition of light truck is every motor vehicle with a manufacturer's rated carrying capacity of 7,500 pounds or less. This excludes pickup trucks and panel delivery trucks. This includes any vehicle or combination that is designed to transport passengers or property within its own structure. This includes manufactured homes and trailers.

Wheel chair is a conveyance with wheels used by those who physically disabled and are unable to walk. A moped is a vehicle with no more than three wheels on the ground and that can travel at maximum speed of 35 miles per hour.

A pedicab, also known as pedal-driven vehicle, is driven by a driver sitting on the top. The owner of an automobile is the person who owns the legal title.

Traffic Laws

Each state has its own set of motor vehicle laws that cover everything from the registration procedure to the insurance requirements. These laws also cover the types of vehicles covered by law. Some of these laws are similar across states, but others vary considerably. For instance there are laws that limit the number of persons a person can transport in the pedicab. There are laws that prohibit reckless driving in certain types of roads, like a parking lot.

If you are in violation of these laws, you may be fined and punished. Penalties could include having your license suspended or having to take a traffic class.

The law that regulates speed limits on roads is one of the most important laws states have. In New York for example, the speed limit is the same for commercial vehicles and automobiles.

The law also defines the definition of a "motor vehicle." This includes any 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. The law does not apply to trailers, coaches and semitrailers, all terrain and snowmobiles and motorized mobility assist devices 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 insured and the insurer that protects against financial losses arising from the liability for bodily injury, property damage to a third party that arises from ownership or operation, maintenance, or use of a covered car. It may also provide protection against physical damage to the vehicle itself. It must contain the name and address of the named insured and the amount of coverage offered by the policy, as well as the premium charged therefor, the period of its effectiveness, and the limits of liability. It must also include an agreement or endorsement that insurance is provided thereunder in conformity with the coverage described in the policy for bodily injury or property damage, or death, and is subject to all of the requirements of this chapter.

The language of the motor vehicle policy could be confusing to the average person. Duncanville law firms will often recommend that an individual review a sample policy to fully comprehend the terms. One of the most frequent areas of confusion is the definition of the term "motor vehicle." The phrase is used often in statutes that govern the registration of vehicles and financial responsibility laws.

Examples of coverages offered under a motor insurance policy include commercial auto coverage for vehicles used for commercial or business establishments or activities, employment, or jobs performed for profit, as well as automobile liability insurance, which includes PIP, MP, and uninsured or underinsured driver coverage (UM/UIM). This type of insurance is required by many states.

Permissive Use

If anyone other than an insured or family member drives your car and gets into an accident, it's important to understand the insurance coverage that is available in these situations. This is referred to as permissive use and the specifics of your policy could differ but generally, the majority of major car insurance companies provide this kind of insurance.

However, it is crucial to note that the person driving your car must have your permission in order to be held responsible for any damage. Permission can be express or implied, and it typically does not need to be recorded.

In determining if there is an implied permission, courts examine the relationship between the parties, their previous conduct and usage of the vehicle; and the circumstances surrounding the particular driving event in question. A court will also look at whether there were any restrictions placed regarding the permissive usage and whether even minor deviations from the time, place and usage limitations of the original permission would violate of these restrictions.

Be aware that adding an additional driver to your auto insurance policy could increase the cost of your insurance, since the vehicle becomes more risky to insure. It is important to evaluate your options prior to lending out your vehicle to others. Contact Jerry to get a free insurance quote and discuss your policy's terms.