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Motor Vehicle Legal Terms The laws governing motor vehicles vary from state to state. In general, laws assume that the vehicle was used with the owner's consent. Laws enhancing penalties such as making revocation automatic and targeting social hosts have mixed effects on mortality rates. Mandatory education, treatment for alcohol, and interlock devices have little effect. Legal Definitions The laws that govern the legal definitions of motor vehicles are formulated and decided at the state level. The various definitions used by the federal government for matters pertaining to national requirements for fuel economy and licensing requirements for commercial vehicle drivers serve mainly for administrative purposes, and do not apply to states that are determining their own registration classifications. These classifications for vehicles determine if a driver needs an additional license to operate certain types of vehicles. The state laws define terms like “automobile,” “light trucks” and other terms. For example, the definition of light truck includes every motor vehicle with a manufacturer's rated carrying capacity of less than 7,500 pounds. This excludes panel delivery trucks and pickup trucks. Also, it excludes any vehicle or combination of vehicles designed primarily to carry passengers or property completely within its own structure, including trailers and manufactured homes. Wheel chair is a type of vehicle with wheels, which is used by people who have physical disabilities and cannot walk. A moped is a motor vehicle with not more than three wheels that come into contact with the ground. It operates at a speed not more than 35 miles per hour. A pedal-driven vehicle, is driven by the person who sits on the top of it. The owner of the vehicle is the person who holds the legal title. Traffic Laws Each state has its own set of motor vehicle laws that cover everything from registration process to insurance requirements. They also regulate the types of vehicles covered by the law. Some of these laws are similar across states, while other laws differ significantly. For instance, there are laws that restrict the number of passengers a person can transport in a pedicab. There are laws that ban reckless driving on certain kinds of roads, including parking spaces. If you violate these laws, you may be punished with a fine and/or a penalty. Penalties could include being unable to drive or having your license suspended, or the requirement to take a traffic class. One of the most important laws in a state regarding vehicles is the speed limits that are established on the roads. In New York for example, the speed limit is the same for commercial vehicles as well as automobiles. It also defines a “motor vehicle” as any vehicle, carriage, or other device that is driven mechanically and is used on a highway to transport people or property or for commercial purposes. It excludes semitrailers and trailers, coaches or house trailers, vehicles that run only on tracks or rails snowmobiles, all-terrain vehicles and snowmobiles, motorized mobility assistance devices that are operated by a person who has a disability and self-propelled hay harvesting or corn harvesting machines and tractor. Insurance A motor vehicle insurance policy is an agreement between the insured and the insurer that covers financial loss due to liability for bodily injuries or property damage to a third-party arising from ownership and operation, maintenance or the use of a covered vehicle. It can also provide protection against physical damage to the insured vehicle. It must include the name and address of the named insured as well as the coverage provided by the policy. It also contains the amount of the premium, the period for the period that the policy is in effect, and the responsibility limits. It should also contain an agreement or endorsement that the insurance provided is in accordance with the coverage specified in the policy for injuries to the body or property damage, or death, and is subject to all provisions of this chapter. Duncanville law firms typically recommend that clients read the sample motor vehicle policy to know the terms. One of the most common areas of confusion is the definition of “motor vehicle.” The phrase is used often in statutes governing the registration of vehicles and financial accountability laws. Examples of coverages under a motor insurance policy include commercial auto coverage for automobiles that are used for commercial, business establishments or activities, employment, or occupations done for profit, and automobile liability coverage, which includes PIP MP,, and uninsured and underinsured coverage for drivers (UM/UIM). Many states require drivers to carry this kind of insurance. Permissible Use If anyone other than an insured or a family member drives your vehicle and is involved in getting involved in an accident, it is crucial to know the way insurance coverage works in these circumstances. This is known as permissive usage. The specific terms of your insurance policy might vary, but a majority of major insurance companies offer this type of coverage. However, it is crucial to keep in mind that anyone driving your car must have your permission for you to be held accountable for any damage. Permission can be given in writing or implied, and it is not required to be written down. In determining whether there is implied permission, courts examine the relationship between the parties; their past behavior and use of the vehicle; and the circumstances surrounding the specific driving incident in question. motor vehicle accident law firm palm coast will also consider whether any restrictions were made on the permissive usage, and if even a minor deviation from the time, location and usage limitations of an initial permission would violate of these restrictions. Remember that adding another driver to your insurance will likely increase your insurance premium up, since it makes the vehicle more risky to insure. It is important to carefully consider your options prior to giving your vehicle over to others. Contact Jerry for a free insurance quote and discuss your policy's terms.