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Motor Vehicle Legal Terms The laws governing motor vehicles vary widely from one state to the next. In general, laws assume that a vehicle was operated with the owner's consent. The mortality rates are affected by laws that increase penalties that make revocation automatic or make social hosts targets. Mandatory education, treatment for alcohol, and interlock devices have little effect. Legal Definitions State laws govern the legal definitions of motor vehicles. The definitions used by the federal government for national standards for fuel economy and licensing standards for drivers of commercial vehicles are primarily administrative in nature and do not apply when states determine their own classifications of registration. These classifications for vehicles determine if a motorist requires a special licence to operate certain types of vehicles. The laws of the state define terms like “automobile,” “light trucks” and others. As an example, a light truck is any vehicle with a capacity of carrying less than 7,500 pounds. This excludes pickup trucks as well as panel delivery trucks. Also, it does not include any vehicle or combination of vehicles that is specifically designed to carry passengers or property entirely within its own structure, including trailers and manufactured homes. A wheel chair conveyance is a machine with wheels, typically used by persons who have physical disabilities that make them cannot move about as pedestrians. A moped is a vehicle with at most three wheels on the ground and that can travel at an maximum speed of 35 miles per hour. A pedicab, or pedal-driven vehicle, is driven by a driver who sits on top of it. A person who owns the legal title to a vehicle is called the 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 kinds of vehicles covered by law. Some of these laws are the same across states, but others are different. There are laws that limit the number of people that can be transported by pedicab. There are laws against reckless driving in certain types of roads, for instance, a parking lot. If you do not follow the law, you could be punished with a fine and/or a penalty. The penalties can range from getting your driver's license revoked to having to attend the traffic school. The law governing speed limits on roads is among the most important laws states have. 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 the term “motor vehicle.” This includes any description of a carriage or contrivance that is propelled by mechanical power and used on a public highway for the transport of people or property or for any other commercial purpose. motor vehicle accident lawsuit vancouver excludes semitrailers and trailers such as coaches or house trailers or vehicles that only run on tracks or rails snowmobiles, all-terrain vehicles 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 policy is a contract that covers the insurer against financial loss in the event of bodily injury, death, or property damage caused by a third-party caused by the ownership, operation, maintenance, or use of an insured vehicle. It may also cover physical damage to the vehicle. It must include the name and address of the insured named as well as the coverage provided by the policy, the premium paid for it, the time of the policy's effectiveness, and the limits of liability. It must also include an agreement or endorsement that states that the insurance offered is in compliance with the coverage specific to bodily injury or death, or property damage. Duncanville law firms typically recommend that people read the sample motor vehicle policy in order to comprehend the terms. One of the biggest confusions is the definition of “motor vehicle”. The phrase is found in many statutes that govern the registration of vehicles and financial accountability laws. Some examples of coverage under the motor vehicle policy are commercial auto insurance for vehicles that are used in connection with business, commercial establishments, occupations, or activities that are conducted for profit; automobile liability insurance which includes MP and PIP, and uninsured and underinsured motorist coverage (UM/UIM). A majority of states require drivers to have this type of insurance. Permissive Use It is essential to know how insurance coverage works in the event that someone other than the named insured or a family member is driving your car and causes an accident. This is known as permissive usage. The specifics of your insurance policy might differ, but the majority of large car insurers offer this type coverage. However, it is important to note that the person driving your vehicle must have your permission in order to be held liable for any damage. Permission can be express or implied, and it is not required to be recorded. To determine if there is implied consent, courts examine the relationship between the parties, their past behavior and the usage of the vehicle and the circumstances surrounding a particular driving incident. A judge will also consider whether any restrictions were placed on the permissive usage, and if any minor deviations from the time, location and use restrictions of the initial permission would violate of these restrictions. Be aware 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. It is therefore important to be aware of your options before lending your car to other people. Contact Jerry for a free insurance quote and to discuss the policy's terms.