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Motor Vehicle Legal Terms The laws governing motor vehicles vary widely from one state to another. In general, the laws assume that the vehicle was operated with the consent of the owner. Laws that enhance penalties and making revocation automatic, or targeting social hosts have varying impacts on mortality rates. All of these measures, which include obligatory education, alcohol treatment and interlock devices have a small impact. Legal Definitions State laws regulate the legal terms used by motor vehicles. The various definitions that are used in connection with national requirements for fuel economy and licensing requirements for commercial vehicle drivers serve mostly for administrative purposes, and are not applicable to states determining their own registration classifications. These vehicle registration classifications determine if a driver needs to be issued a special license to operate certain types of vehicles. The state laws define terms like “automobile,” “light trucks” and others. For example the definition of light truck includes any motor vehicle with a manufacturer's rated carrying capacity of less than 7,500 pounds. This excludes pickup trucks as well as panel delivery trucks. This includes any vehicle or combination of vehicles that is designed to transport passengers or property within its own structure. This includes manufactured homes and trailers. A wheel chair is a machine with wheels, typically used by those who are physically disabled and, are unable to move around as pedestrians. A moped is a vehicle with not more than three wheels on the ground and that can travel at the speed of 35 miles per hour. A pedicab is a type of vehicle that is propelled by a driver who is sitting on it. The owner of a vehicle is the one who owns the legal title. Traffic Laws Each state has its own set motor vehicle laws that cover everything from registration procedure to the insurance requirements. These laws also address the types of vehicles that are subject to the law. While certain laws are similar across states, others differ significantly. For instance there are laws that restrict the number of passengers a person can transport in the pedicab. There are also laws that ban reckless driving on certain types of roads, for instance parking areas. A person who operates a motor vehicle in violation of these laws could be fined and punished for violating these laws. Penalties could include being unable to drive or having your license suspended, or having to take a traffic class. One of the most important laws in a particular state regarding vehicles is the speed limits that are placed on roads. In New York for example, the speed limit is the same for commercial vehicles as it is for automobiles. The law also sets out the definition of a “motor vehicle.” This includes any description of a carriage or device that is powered by mechanical energy and utilized on a public road for the transportation of people or property, or for other commercial use. It excludes trailers and semitrailers such as coaches or house trailers as well as vehicles that operate on tracks or rails snowmobiles, all-terrain and snowmobiles, motorized mobility assistance devices operated by a person with disabilities, self-propelled hay harvesting or corn harvesting machines and tractors. Insurance A motor vehicle insurance policy is an agreement between the insurer and insured which provides insurance against financial loss due to the liability for bodily injury, property damage to a third party arising from ownership or operation, maintenance, or use of a covered vehicle. motor vehicle accident attorneys santa clara may also protect against physical damage to the vehicle. It must contain the name and address the named insured as well as the coverage provided by the policy. It also contains the amount of premium paid as well as the time period during the duration of the policy in effect, as well as the limits of liability. It must also contain an agreement or a statement that insurance is provided thereunder in accordance with the coverage specified in the policy, in relation to bodily injury or death or property damage and is subject to all requirements of this chapter. Duncanville law firms frequently suggest that individuals review the sample motor vehicle policy in order to understand the terms. One of the most common areas of confusion is the definition of the term “motor vehicle.” The phrase appears often in statutes that govern the registration of vehicles and financial accountability laws. Examples of the coverages that are covered under a motor policy include commercial auto coverage for automobiles used for commercial or business establishments or activities, employment, or occupations conducted for profit, automobile liability coverage, which includes PIP, MP, and uninsured and underinsured driver coverage (UM/UIM). A majority of states require drivers to have this type of insurance. Permissive Use It is crucial to understand how insurance coverage works if someone other than the named insured or a family member is driving your car and causes an accident. This concept is known as permissive use and the specific terms of your policy can vary, but in general most large car insurance companies offer this kind of insurance. It is crucial to remember that you are liable for any damage caused by a driver with your permission. Permission may be granted in the form of a written statement or implied, and it typically does not need to be recorded. In determining whether there is implied permission, courts consider the relationship between the two parties; their previous conduct and usage of the vehicle; and the circumstances surrounding the specific driving event in question. A court also will consider the extent to which restrictions were imposed on the permissive use and if even one minor deviation from duration, location and restrictions of the original permission would be in violation of these restrictions. Be aware that adding a driver to your insurance could cause your insurance premium to go up, as it makes the vehicle more risky to insure. It is important to think about your options before lending your vehicle to other people. If you're unsure whether to include someone on your policy or not. Contact Jerry to discuss the specifics of your insurance policy and receive a free quote.