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Motor Vehicle Legal Terms The laws regarding motor vehicles differ from state to state. In general, laws assume that the vehicle was used by the owner's permission. The mortality rates are influenced by laws that increase penalties, make revocation automatic, or focus on social hosts. Mandatory education, treatment for alcohol, and interlock devices have small effects. Legal Definitions State laws govern the legal definitions of motor vehicles. The different definitions of federal law used in connection with national requirements for fuel efficiency and licensing requirements for commercial vehicle drivers serve mostly for to serve administrative purposes, and are not applicable to states that are determining their own registration classifications. These classifications for vehicles determine if a driver needs special licenses to operate certain types vehicles. The state laws define terms like “automobile,” “light trucks” and more. As an example light truck, it's any vehicle with an rated capacity of less than 7,500 pounds. This excludes panel delivery trucks as well as pickup trucks. This includes any vehicle or combination that is designed to carry passengers or property within its own structure. This includes manufactured homes and trailers. Wheel chair is a type of vehicle with wheels used by people who are physically disabled and unable to walk. A moped is an automobile with no more than three wheels on the ground, and that can travel at the speed of 35 miles per hour. A pedicab is a vehicle that is driven by a driver who is sitting on it. The owner of an automobile is the person who has the legal title. Traffic Laws Each state has its own set motor vehicle laws that cover everything from the registration procedure to insurance requirements. They also regulate the types of vehicles covered by the law. While some of these laws are fairly similar between states, others vary significantly. For instance, there are laws that limit the number of people one can carry in a pedicab. There are laws that prohibit reckless driving on certain kinds of roads, including parking lots. If you break these laws, you can be punished with a fine and/or a penalty. Penalties could include having your license revoked or being required to attend traffic school. The law that regulates speed limits on roads is among the most important laws states have. 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 or other device that is powered mechanically and is used on roads to transport people or property, or for other commercial uses. The law does not apply to trailers, semitrailers and coaches, all-terrain and snowmobile vehicles motorized mobility assist systems for people with disabilities and self-propelled corn, as well as harvesting machines for hay. Insurance A motor vehicle policy is a contract that covers the insurer against financial losses due to liability for bodily injury, death, or property damage caused by a third party caused by the ownership, operation, maintenance or the use of an insured vehicle. It may also cover physical damage to the vehicle. It must state the address and name of the named insured as well as the coverage provided by the policy, the amount charged therefor, the period of the policy's effectiveness, and the limits of liability. motor vehicle accident lawsuit yonkers should also contain an agreement or a statement that the insurance provided is in accordance with the coverage stated in respect of bodily injury or death or property damage and is subject to all requirements of this chapter. Duncanville law firms often recommend that individuals review the sample motor vehicle policy to comprehend the terms. One of the biggest confusions is the definition of “motor vehicle”. This phrase appears in a variety of statutes that regulate the registration of vehicles and financial accountability laws. A few examples of coverage under a motor vehicle policy include commercial auto insurance for vehicles that are used in connection with commercial, business, jobs, or other activities that are conducted for profit; automobile liability insurance which includes MP and PIP, and underinsured and uninsured motorist coverage (UM/UIM). A majority of states require drivers to have this kind of insurance. Permissible Use If you are not the named insured or family member is driving your car and gets into an accident, it is crucial to know how insurance coverage works in these circumstances. This is referred to as permissive use. The specifics of your insurance policy could vary, but a majority of major insurance companies offer this type of coverage. It is crucial to remember that you are accountable for any damage caused by a driver who has your permission. Permission can be given in writing or implied, and it typically does not need to be recorded. In determining if there is an implied permission, courts consider the relationship between the two parties; their previous conduct and usage 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. It will also consider if slight deviation from the time, place and use limitations of the original permission would violate these restrictions. Be aware that adding the driver to your auto insurance policy could increase your premium, because the vehicle becomes more difficult to cover. It is important to carefully weigh your options before lending out your vehicle to other people. Contact Jerry to receive a no-cost insurance quote and to discuss the terms of your policy.