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Motor Vehicle Legal Terms

The laws that govern motor vehicles differ widely between states. In general the law, it is assumed that the vehicle is operating by the owner's permission.

The mortality rates are affected by laws that increase penalties or make revocation automatic or target social hosts. All of these measures, which include obligatory education, alcohol treatment, and interlock devices, have a little effect.

Legal Definitions

State laws govern motor vehicle legal terms. The federal definitions for national standards for fuel economy and licensing requirements for drivers of commercial vehicles are mostly administrative and do not apply when states establish their own registration classifications. These vehicle registration classifications determine if a driver needs to obtain a special license to operate certain kinds of vehicles.

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

A wheel chair is a device equipped with wheels. It is typically used by persons who because of physical impairment are unable to move about as pedestrians. A moped is a vehicle with not more than three wheels on the ground and that travels at maximum speed of 35 miles per hour.

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

Traffic Laws

Each state has its own motor vehicle laws which cover everything from registration process to the insurance requirements. The statutes also cover the types of vehicles that are subject to the law. While some of these laws are fairly similar across states, others are quite different. For instance, there are laws that limit the number of persons one can carry in the pedicab. There are laws that ban reckless driving on certain types of roads, including parking spaces.

A person who operates a motor vehicle that is in violation of these laws can be punished with fines and penalties for doing so. The penalties range from having your driver's license suspended to being required to attend an traffic school.

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

The law also sets out the definition of a "motor vehicle." This includes every description of a vehicle or device that is driven by mechanical force and used on a highway to transport people or property, or for other commercial purpose. It does not include semitrailers and trailers such as coaches or house trailers or vehicles that only run upon rails or tracks snowmobiles, all-terrain and snowmobiles, motorized mobility assist devices used by people with a disability and self-propelled hay harvesting machines and tractor.

Insurance

A motor insurance policy for vehicles is a contract between the insured and the insurer that provides insurance against financial loss resulting from liability for bodily injury or death, property damage to a third party that arises from ownership and operation, maintenance or use of a covered vehicle. It also provides protection against physical damage to the insured vehicle itself. It must contain the name and address the named insured as well as the coverage provided by the policy. It also includes the amount of premium paid as well as the time period during the period for which the policy is in force, and the maximum amount of responsibility. It must also contain an endorsement or agreement stating that the insurance provided is in accordance with the coverage specific to bodily injury or death, as well as property damage.

The language used in a motor vehicle insurance policy can be confusing to the average person. Duncanville law firms typically recommend that a person read a sample policy to fully comprehend the terms.  motor vehicle accident attorney san jose  of the most frequently encountered confusions is the definition of "motor vehicle". This phrase is found in a variety of statutes that regulate the registration of vehicles and financial accountability laws.

Some examples of coverage provided under the motor vehicle policy are commercial automobile insurance for vehicles used for commercial establishments, business work or occupations that are conducted for profit; automobile liability insurance that includes PIP and MP; and uninsured motorist and underinsured motorist coverage (UM/UIM). This kind of insurance is required by several states.

Permissive Use

If someone other than the named insured or a family member is driving your car and gets involved in an accident, it's crucial to know the insurance coverage that is available in these scenarios. This concept is known as permissive use. The specific terms of your policy can vary however, generally speaking, all large car insurance providers offer this type of insurance.

However, it is crucial to keep in mind that anyone driving your vehicle must have your permission to be held accountable for any damage. Permission can be implied or express but does not necessarily have to be written.

In determining whether there is implied permission, courts look at the relationship between the parties; their prior behavior and use of the vehicle, as well as the circumstances surrounding the particular driving event that is in question. A court will also examine whether there were any restrictions placed on the scope of permissive usage and if any minor deviations from the duration, location or limitations of an initial permission would be in violation of these restrictions.

Be aware that adding an additional driver to your insurance policy will likely increase your premium, because the vehicle becomes more difficult to insure. It is important to carefully evaluate your options prior to lending your vehicle to other people. If you are unsure about whether you should add someone to your policy or not, contact Jerry to discuss the specific terms of your insurance policy. You can also get an estimate for free.