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Motor Vehicle Legal Terms

The laws that govern motor vehicle accident vehicles are different from one state to another. In general the law, it assumes that the vehicle is operated by the owner's permission.

Laws that increase penalties, making revocation automatic or the targeting of social hosts have mixed impacts on mortality rates. Mandatory education, treatment for alcohol, and interlock devices have small effects.

Legal Definitions

State laws govern legal terms for motor vehicles. The various definitions used by the federal government for national requirements for fuel economy and licensing standards for commercial vehicle drivers serve mostly to serve administrative purposes, and are not applicable to states that decide their own registration classifications. These vehicle classifications determine if a driver needs special licenses to operate certain types of vehicles.

The state laws define the terms "automobile," "light truck" and others. As an example light truck, it is any motor vehicle that has an rated capacity of less than 7,500 pounds. This excludes panel delivery trucks and pickup trucks. Also, it does not include any vehicle or combination of vehicles specifically designed to carry passengers or property entirely within its own structure, such as manufactured homes and trailers.

Wheel chair is a type of vehicle with wheels that is utilized by people who have physical disabilities and cannot walk. A moped is an automobile with only three wheels on the ground and that can travel at an maximum speed of 35 miles per hour.

A pedicab is a type of vehicle which is driven by an operator who sits on it. A person who holds the legal title to a vehicle is known as its owner.

Traffic Laws

Each state has its own set motor vehicle laws that cover everything from the registration process to insurance requirements. They also regulate the types of vehicles that are covered by law. Some of these laws are the same across states, but others differ greatly. 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 in certain types of roads, like a parking lot.

Anyone who drives a motor vehicle in violation of these rules could be penalized and liable for fines for violating these laws. Penalties could include getting your license suspended or being required to go to traffic school.

One of the most important laws in a state pertaining to vehicles is that which governs the speed limits that are placed on roads. In New York, for example it is stated that the speed limit for a commercial vehicle is the same as that of an automobile.

It also defines the term "motor vehicle" as any vehicle or other device that is propelled mechanically and used on roads to transport property or people, or for other commercial purposes. It excludes semitrailers and trailers, coaches or house trailers as well as vehicles that operate upon rails or motor vehicle accident lawyers tracks snowmobiles, all-terrain and snowmobiles and motorized mobility aids operated by a person with disabilities, and self-propelled hay harvesting or corn harvesting machines and tractors.

Insurance

A motor vehicle policy is a contract that covers the insurer from financial loss from liability for injuries to the body or death or property damage caused by a third party due to the operating, ownership, maintenance or the use of an insured vehicle. It can also protect against physical damage to the vehicle. It must contain the name and address of the named insured, the coverage afforded by the policy, the amount that is charged, the period of effectiveness and the limits of liability. It should also include an agreement or endorsement that insurance is provided thereunder in conformity with the coverage described in the policy for bodily injury, property damage or death and is subject to all of the requirements of this chapter.

The language in a Motor vehicle accident Lawyers vehicle policy can be confusing for the average person, and Duncanville law firms typically recommend that an individual review a sample policy to fully understand the terms. One of the biggest areas of confusion is the definition of "motor vehicle." The phrase is used often in statutes that govern vehicle registration and financial responsibility laws.

Some examples of coverage provided under the motor vehicle policy are commercial automobile insurance for vehicles used for commercial establishments, business occupations, or activities carried on for profit; automobile liability insurance that includes MP and PIP, and uninsured and underinsured motorist coverage (UM/UIM). Many states require drivers to carry this kind of insurance.

Permissible Use

It is crucial to understand how insurance coverage works in the event that someone other than the named insured or a family member is driving your vehicle and causes an accident. This is called permissive usage. The specific terms of your insurance policy could differ, but the majority of large automobile insurers provide this kind of coverage.

However, it is crucial to note that a person driving your car must have your permission in order to be held accountable for any damage. Permission may be implied or express but does not necessarily need to be in writing.

In determining whether there is implied permission, courts examine the relationship between the parties; their past behavior and use of the vehicle; and the circumstances surrounding the specific driving incident in question. A court will also examine whether there were any restrictions placed on the permissive usage and if even a minor deviation from the time, place and usage restrictions of the initial permission would violate of these restrictions.

Remember that adding an additional driver to your auto insurance policy could increase the cost of your insurance, since the vehicle becomes more risky to insure. Therefore, it is important to be aware of your options before lending your car to anyone else. Contact Jerry to receive a no-cost insurance quote and to discuss the terms of your policy.