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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 its owner. Laws enhancing penalties, making revocation automatic or the targeting of social hosts have mixed impacts on mortality rates. All of these measures, such as obligatory education, alcohol treatment and interlock devices, have a small impact. Legal Definitions The laws governing the legal definitions of motor vehicles are formulated and regulated at the state level. The federal definitions 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 decide on their own classifications for registration. These classifications of vehicles determine whether a driver requires an exclusive license to operate certain types of vehicles. The state laws define the terms “automobile,” “light truck” and others. For instance, a light truck is any vehicle with an rated capacity of less than 7,500 pounds. This excludes pickup trucks as well as panel delivery trucks. Also, it does not include any combination of vehicles specifically designed to carry passengers or property within its own structure, such as manufactured homes and trailers. Wheel chairs are a vehicle with wheels, which is used by those who are physically disabled and cannot walk. A moped is an automobile with not more than three wheels on the ground, and that can travel at a maximum speed of 35 miles per hour. A pedicab vehicle is one driven by an operator who sits on it. The owner of an automobile is the person who holds the legal title. Traffic Laws Typically, each state has its own set of motor vehicle laws that deal with everything from the registration process to insurance requirements. These laws also address the kinds of vehicles that are protected by law. Some of these laws are the same across states, while others differ greatly. There are laws that restrict the number of passengers that can be carried in a pedicab. There are laws that ban reckless driving on certain types of roads, like parking spaces. motor vehicle accident attorneys westland who operates a motor vehicle that is in contravention of these laws could be penalized and liable for fines for violating these laws. The penalties can vary from having your driver's license suspended to having to attend traffic school. One of the most important laws a state has regarding vehicles is that which governs the speed limits that are put in place on the roads. In New York for example, the speed limit is the same for commercial vehicles and automobiles. It also defines a “motor vehicle” as any vehicle or any other device that moves mechanically and used on the highway to transport property or people or for other commercial uses. The law excludes trailers semitrailers and coaches, all-terrain and snowmobiles and motorized mobility assist devices used by disabled people as well as self-propelled corn and hay harvesting machines. Insurance A motor insurance policy for vehicles is an agreement between the insurer and insured that provides insurance against financial loss due to the risk of bodily injury or property damage to a third party that arises out of the ownership or operation, maintenance, or the use of a covered automobile. It may also provide protection against physical damage to the insured vehicle itself. It must include the name and address of the named insured as along with the coverage provided by the policy. It also includes the amount of premium paid and the time for the period that the policy is in effect, as well as the responsibility limits. It must also contain an agreement or endorsement that states that the insurance offered is in accordance with the coverage that is specifically outlined for bodily injury or death, as well as property damage. Duncanville law firms often recommend that people read a sample motor vehicle policy in order to know the terms. One of the most frequent areas of confusion is the definition of “motor vehicle.” The phrase appears frequently in statutes that govern the registration of vehicles and financial accountability laws. A few examples of coverage under a motor vehicle policy include commercial automobile insurance for vehicles used in connection with business, commercial establishments, work or occupations that are conducted for profit; automobile liability insurance that includes MP and PIP, and underinsured and uninsured motorist 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 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 specific terms of your policy might differ but generally, the majority of large car insurance companies provide this type of coverage. However, it is important to keep in mind that anyone driving your car must have your permission in order for you to be held responsible for damages. Permission may be implied or express, and does not usually have to be written. In determining if there is an implied permission, courts consider the relationship between the two parties; their previous conduct and usage of the vehicle; and the circumstances surrounding the specific driving event that is in question. A court will also look at whether there were any restrictions placed on the scope of permissive use and if even minor deviations from the time, location and usage restrictions of the initial permission would be in violation of these restrictions. Be aware that adding an additional driver to your insurance policy will likely increase the cost of your insurance, since the vehicle becomes more risky to insure. Therefore, you must think about your options carefully before lending your vehicle out to anyone else. If you're unsure whether you should add someone to your policy or not. Contact Jerry to discuss the specifics of your insurance policy and receive a no-cost quote.