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Motor Vehicle Legal Terms The laws governing motor vehicles differ widely between states. In general, the laws assume that the vehicle was operated by the owner's permission. The mortality rates are influenced by laws that increase penalties and make revocation automatic or specifically target social hosts. All of these measures, such as mandatory education, alcohol treatment, and interlock devices have a little impact. Legal Definitions The laws that govern the legal definitions of motor vehicles are formulated and decided at the state level. The federal definitions for national standards for fuel economy and licensing standards for commercial vehicle drivers are primarily administrative in nature and do not apply to states that decide their own classifications of registration. The classifications of a vehicle determine if a driver requires an exclusive license to operate certain types vehicles. These laws define terms like “automobile,” “light trucks” and many more. For example the definition of light truck includes all motor vehicles with a manufacturer's rated carrying capacity of 7,500 pounds or less. This excludes pickup trucks and panel delivery trucks. This is any vehicle or combination that is designed to transport people or property within its own structure. This includes manufactured homes and trailers. motor vehicle accident law firm odessa is a device equipped with wheels. It is usually used by persons who are physically disabled and are unable to move around as pedestrians. A moped is an automobile with not more than three wheels on the ground, and that travels at the speed of 35 miles per hour. A pedicab is a type of vehicle that is propelled by an operator who sits on it. The owner of the vehicle is the person who is the legal owner. Traffic Laws Typically, each state has its own set of motor vehicle law that regulate everything from the registration process to insurance requirements. These laws also address the kinds of vehicles that are covered by the law. Some of these laws are identical across states, however others differ greatly. For instance, there are laws that limit the number of persons you can carry in the pedicab. There are also laws that ban reckless driving on certain types of roads, like parking spaces. Anyone who drives a motor vehicle that is in contravention of these laws could be fined and punished for violating these laws. The penalties vary from being able to have your driver's license suspended to being required to attend the traffic school. One of the most important laws in a particular state regarding vehicles is that which governs the speed limits that are established on the roads. In New York, for example it is stated that the speed limit for commercial vehicle is the same as for an automobile. The law also sets out the definition of a “motor vehicle.” This includes any description of a carriage or device that is driven by mechanical power and used on a highway for the transport of people or property, or for other commercial use. It does not include trailers and semitrailers, coaches or house trailers and vehicles that operate only upon rails or tracks snowmobiles, all-terrain and snowmobiles and motorized mobility aids that are operated by a person who has disabilities, self-propelled corn or hay harvesting machines and tractor. Insurance A motor vehicle insurance policy is a contract that covers the insurer from financial loss in the event of bodily injury or death or property damage caused by a third party that results from the ownership, operation, maintenance or use of an insured vehicle. It can also provide protection against physical damage to the vehicle. It must include the name and address of the named insured as in addition to the coverage offered by the policy. It also contains the amount of premium paid, the period for which the policy is in force, and the limits of responsibility. It should also include an agreement or an endorsement that states that the insurance coverage is in accordance with coverage that is specifically outlined for bodily injury or death, or property damage. The wording in the motor vehicle policy could be confusing to the average person. Duncanville law firms usually recommend that a person read the policy sample to fully be aware of the terms. One of the most common areas of confusion is the definition of “motor vehicle.” The phrase appears frequently in statutes governing the registration of vehicles and financial responsibility laws. Examples of the coverages that are covered under a motor insurance policy include commercial auto insurance for vehicles used for commercial or business establishments or for employment, activities, or jobs performed for profit, and automobile liability insurance, which covers PIP, MP, and uninsured and underinsured driver coverage (UM/UIM). A majority of states require drivers to carry this type of insurance. Permissive Use It is important to know how insurance coverage will work in the event that a person other than the named insured or a family member is driving your vehicle and causes an accident. This concept is known as permissive usage and the specifics of your policy may differ however, generally speaking, all large car insurance companies provide this type of insurance. However, it is important to keep in mind that anyone driving your car must have your permission for you to be held liable for any damages. Permission can be express or implied, and typically does not need to be recorded. To determine if there is implied consent, courts will consider the relationship between the parties, their past behavior and the use of the vehicle as well as the circumstances surrounding a particular driving incident. A court will also look at whether there were any restrictions placed regarding the permissive usage and whether any minor deviations from the time, place and usage limitations of the original permission would violate of these restrictions. Remember that adding a driver to your auto insurance policy could increase your premium, because the vehicle becomes more difficult to cover. It is important to carefully evaluate your options prior to lending out your vehicle to someone else. Contact Jerry for a free insurance quote and to discuss the terms of your policy.