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Motor Vehicle Legal Terms Motor vehicle laws vary greatly from state to state. In general the law, it is assumed that a vehicle is being operated with the permission of the owner. The mortality rates are influenced by laws that increase penalties that make revocation automatic or target social hosts. Mandatory education, alcohol treatment, and interlock devices all have little effect. Legal Definitions The laws that govern motor vehicle legal terms are formulated and regulated at the state level. The various definitions that are used for national requirements for fuel efficiency and licensing standards for commercial vehicle drivers serve mostly for administrative reasons, and do not apply to states that determine their own registration classifications. These vehicle registration classifications determine whether a driver has to be issued a special license to operate certain types of vehicles. The state laws define the terms “automobile,” “light truck” and others. For example, the definition of a light truck comprises all motor vehicles with the capacity of the manufacturer's rated carrying capacity of less than 7,500 pounds. This excludes panel delivery vehicles and pickup trucks. This includes any vehicle or combination designed to carry passengers or property within its own structure. This includes manufactured homes and trailers. motor vehicle accident lawyer concord is a conveyance with wheels utilized by people who have physical disabilities and cannot walk. A moped is a vehicle with at most three wheels on the ground, and that travels at a maximum speed of 35 miles per hour. A pedal-driven vehicle, is one that is driven by the person who sits on the top of it. The owner of the vehicle is the person who has the legal title. Traffic Laws Typically, every state has its own set of motor vehicle law that deal with everything from the registration process to the insurance requirements. The statutes also cover the types of vehicles that are covered by law. While some of these laws are similar across states, others differ significantly. There are laws that restrict the number of people who can be carried in a pedicab. There are also laws that ban reckless driving on certain types of roads, for instance parking spaces. A person who operates a motor vehicle in violation of these laws can face penalties and fines for doing so. Penalties can include having your license revoked or the requirement to take a traffic class. One of the most important laws in a state pertaining to 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 for an automobile. The law also sets out the definition of the term “motor vehicle.” This covers every description of a vehicle or device that is driven by mechanical power and used on a public highway for the transport of people or property, or for other commercial purpose. It excludes semitrailers and trailers, coaches or house trailers or vehicles that only run upon rails or tracks snowmobiles, all-terrain vehicles and snowmobiles and motorized mobility aids used by people with a disability and self-propelled hay harvesting or corn harvesting machines and tractors. Insurance A motor vehicle policy is a contract that protects the insurer from financial loss from liability for injuries to the body or death or property damage caused by a third-party caused by the operating, ownership, maintenance or the use of an insured vehicle. It can also protect physical damage to the vehicle. It must include the name and address of the insured named the policy, the coverage provided by the policy, the cost paid for it, the time of its effectiveness, and the limits of liability. It should also include an agreement or a statement that the insurance coverage is provided in accordance with the coverage stated in the policy, in relation to bodily injury, property damage, or death, and is subject to all the requirements of this chapter. Duncanville law firms frequently suggest that individuals review a sample motor vehicle policy in order to understand the terms. One of the most frequent areas of confusion is the definition of “motor vehicle.” The phrase appears frequently in statutes that govern registration of vehicles as well as financial responsibility laws. Some examples of coverage under the motor vehicle policy are commercial automobile insurance for vehicles used for commercial, business, occupations, or activities which are carried out for profit automobile liability insurance, which includes PIP and MP; and uninsured and underinsured motorist coverage (UM/UIM). Many states require drivers to have this type of insurance. Permissive Use It is essential to understand the way insurance coverage works if someone other than the named insured or a family member is driving your vehicle and causes an accident. This concept is referred to as permissive use and the specifics of your policy could differ however, generally speaking, all major car insurance companies provide this type of coverage. However, it is important to note that the person driving your vehicle must have your permission in order for you to be held accountable for any damages. Permission can be given in writing or implied, and it typically does not need to be recorded. In determining if there is implied consent, courts will take into consideration the relationship between the parties, their past behavior and the use of the vehicle, as well as the circumstances surrounding a specific driving incident. A court also will consider whether there were any restrictions placed on the permissive use, and if even one minor deviation from time, place, and usage limitations of the permission would violate the restrictions. Keep in mind that adding a driver to your car insurance is likely to cause your premium to go up, since it makes the vehicle more risky to insure. It is therefore essential to consider your options carefully prior to lending your vehicle to anyone else. Contact Jerry for a no-cost insurance quote and discuss the policy's terms.