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Motor Vehicle Legal Terms The laws that govern motor vehicles vary widely from one state to the next. In general, the law assumes that the vehicle is operating with the permission of the owner. Laws enhancing penalties such as making revocation automatic and targeting social hosts have varying impact on mortality rates. All of these measures, including obligatory education, alcohol treatment, and interlock devices, have only a little effect. Legal Definitions State laws regulate the legal terms used by motor vehicles. The federal definitions of national fuel economy standards and licensing requirements for commercial vehicle drivers are mostly administrative and are not applicable when states decide on their own classifications of registration. The classifications of a vehicle's registration determine whether a motorist must be granted a specific license to operate certain types of vehicles. The state laws define the terms “automobile,” “light truck” and many others. For example, the definition of light truck is all motor vehicles with an estimated carrying capacity of 7,500 pounds or less. This excludes panel delivery vehicles and pickup trucks. Also, it does not include any vehicle or combination of vehicles that is intended to transport passengers or property completely within the structure of the vehicle, which includes manufactured homes and trailers. Wheel chair is a type of vehicle with wheels that is used by those who are physically disabled and cannot walk. A moped is a vehicle with only three wheels on the ground, and that can travel at maximum speed of 35 miles per hour. A pedal-driven vehicle, is driven by a driver sitting on top of it. The person who has the legal title to a vehicle is called its owner. Traffic Laws Each state has its own set of motor vehicle laws which cover everything from registration procedure to the insurance requirements. These laws also address the kinds of vehicles that are subject to the law. While certain laws are fairly similar between states, others vary significantly. For instance there are laws that limit the number of persons a person can transport in a pedicab. There are laws that ban reckless driving on certain kinds of roadways, such as parking spaces. A person who operates a motor vehicle in violation of these laws could face penalties and fines for violating these laws. Penalties could include being unable to drive or having your license suspended, or the requirement to attend traffic school. One of the most important laws in a state regarding vehicles is that which governs the speed limits that are put in place on the roads. In New York, for example, it states that the speed limit for commercial vehicle is the same as that of an automobile. The law also defines the definition of the term “motor vehicle.” This includes every description of a carriage or other device that is powered by mechanical force and utilized on a public road for the transportation of people or property, or for other commercial purpose. The law does not include trailers, semitrailers and coaches, all-terrain and snowmobiles motorized mobility assist systems used by disabled people and self-propelled corn as well as harvesting machines for hay. motor vehicle accident lawsuit kent is a contract which protects the insurer against financial losses from liability for bodily harm or death or property damage caused by a third-party arising from operating, ownership, maintenance or the use of an insured vehicle. It may also protect against physical damage to the vehicle. It must contain the name and address of the named insured as in addition to the coverage offered by the policy. It also includes the amount of the premium, the period for the period that the policy is in effect, as well as the maximum amount of responsibility. It must also include an agreement or a statement that the insurance is provided in conformity with the coverage described in the policy for injuries to the body or property damage, or death, and is subject to all the requirements of this chapter. The language used in the motor vehicle policy may be confusing to the average person, and Duncanville law firms often recommend that individuals review an example policy to be aware of the terms. One of the most common areas of confusion is the definition of “motor vehicle.” The phrase is used often in statutes that govern the registration of vehicles and financial accountability laws. Examples of coverage under a motor vehicle policy include commercial automobile insurance for vehicles used in connection with commercial establishments, business work or occupations carried on for profit; automobile liability insurance that includes MP and PIP; and underinsured and uninsured motorist coverage (UM/UIM). This kind of insurance is required by many states. Permitted Use It is essential to understand the way insurance coverage works if someone other than the named insured or a family member drives your car and causes an accident. This is known as permissive utilization. The specific terms of your insurance policy may differ, but most large insurance companies offer this type of coverage. However, it is important to note that the person driving your vehicle must have your permission to be held accountable for any damage. Permission can be expressed or implied, and does not usually require a written document. In determining whether there is implied permission, courts look at the relationship between the parties, their previous conduct and the use of the vehicle; and circumstances surrounding the particular driving incident in question. A judge will also consider whether any restrictions were imposed on the scope of permissive use and if even minor deviations from the time, location and use restrictions of the permission would be in violation of these restrictions. Be aware that adding a driver to your insurance will likely cause your insurance premium to go higher, since it makes the vehicle more risky to insure. It is therefore important to be aware of your options before lending your car to other people. If you're unsure whether to include someone on your policy or not, contact Jerry to discuss the specific terms of your insurance policy and receive a no-cost quote.