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Motor Vehicle Legal Terms The laws governing motor vehicles are different from one state to the next. In general the law, it assumes that the vehicle is operated with the permission of its owner. Laws enhancing penalties and making revocation automatic, or targeting social hosts have varying impact on mortality rates. Mandatory education, alcohol treatment and interlock devices have little effect. Legal Definitions The laws governing the legal definitions of motor vehicles are formulated and determined at the state level. The federal definitions for national fuel economy standards and licensing requirements for drivers of commercial vehicles are mostly administrative, and they do not have any effect when states decide on their own registration classifications. The classifications of a vehicle determine whether a driver requires an exclusive license to operate certain types of vehicles. The laws of the state define terms such as “automobile,” “light trucks” and other terms. For instance, a light truck is any motor vehicle that has a capacity that is less than 7,500 pounds. This excludes panel delivery trucks as well as pickup trucks. This includes any vehicle or combination of vehicles that is specifically designed to transport passengers or property within its own structure. This includes manufactured homes and trailers. A wheel chair conveyance is a vehicle with wheels. It is usually used by people who because of physical impairment, are unable to walk around as pedestrians. Mopeds are motor vehicle with not more than three wheels in contact with the ground that travels at speeds of no more than 35 miles per hour. A pedal-driven vehicle, is one that is driven by the operator who sits on the top of it. The owner of an automobile is the person who is the legal owner. Traffic Laws Typically, each state has its own set of motor vehicle laws that cover everything from the registration process to the insurance requirements. These statutes also cover the types of vehicles covered by the law. Some of these laws are identical across states, while other laws differ significantly. There are laws that restrict the number of people that can be transported in a pedicab. There are laws that prohibit reckless driving in certain types of roads, such as parking lot. If you violate the law, you could be fined and punished. Penalties could include having your license revoked or having to go to traffic school. The law that regulates speed limits on roads is one of the most important laws that states have. In New York, for example it stipulates that the speed limit for commercial vehicle is the same as for an automobile. It also defines the term “motor vehicle” as any carriage or other device that is propelled mechanically and used on roads to move property or people, or for other commercial uses. The law excludes trailers coaches, semitrailers, all-terrain and snowmobiles as well as motorized mobility assist devices operated by people with disabilities and self-propelled corn, as well as hay harvesting machines. Insurance A motor insurance policy for vehicles is an agreement between the insured and the insurer that provides insurance against financial loss on account of the risk of bodily injury or death, property damage to a third party, arising out of the ownership or operation, maintenance, or use of a covered car. It may also protect against physical damage to the vehicle. It must mention the address and name of the named insured the policy, the coverage provided by the policy, as well as the premium payable, the duration of its effectiveness, and the limits of liability. It must also contain an agreement or endorsement stating that the insurance is in accordance with the coverage specified as to bodily injury or death, as well as property damage. The wording in a motor vehicle insurance policy can be confusing for the average person. Duncanville law firms will often suggest that individuals read an example policy to know the terms. One of the biggest confusions is the definition of “motor vehicle”. The phrase is found in numerous statutes that govern vehicle registration and financial responsibility laws. Examples of coverages under a motor policy include commercial auto coverage for vehicles that are used for commercial and business establishments or for employment, activities, or occupations done for profit, as well as automobile liability insurance, which covers PIP MP,, and uninsured and underinsured motorist coverage (UM/UIM). This type of insurance is required in many states. Permitted Use If anyone other than an insured or family member drives your car and gets involved in an accident, it is crucial to know the way insurance coverage works in these scenarios. motor vehicle accident attorney peoria is known as permissive utilization. The specific terms of your insurance policy could differ, but most large insurance companies offer this type of coverage. However, it is important to keep in mind that anyone driving your vehicle must have your permission in order for you to be held liable for any damages. Permission may be implied or express and does not typically require writing. In determining if there is an implied permission, courts consider the relationship between the parties, their previous behavior and use of the vehicle; and circumstances surrounding the specific driving event that is in question. A court also will consider whether any restrictions were imposed on the scope of permissive use and if even slight deviation from the date, time, and location limitations of the original permission would be in violation of these restrictions. Remember that adding an additional driver to your auto insurance policy is likely to increase your premium, as the vehicle becomes more risky to insure. Therefore, you must be aware of your options before lending your vehicle to anyone else. If you're unsure whether to add someone else to your policy or not, get in touch with Jerry to discuss the specific terms of your insurance policy. You can also get an estimate for free.