Motor Vehicle Legal Terms

Motor vehicle laws vary greatly from state to state. In general, laws assume that the vehicle was used with the consent of the owner.

Laws enhancing penalties that make revocation automatic or the targeting of social hosts have mixed impacts on mortality rates. All of these measures, including obligatory education, alcohol treatment, and interlock devices, have a tiny impact.

Legal Definitions

The laws governing motor vehicle legal terms are defined and determined at the state level. The definitions used by the federal government for national fuel economy standards and licensing requirements for drivers of commercial vehicles are mostly administrative and do not apply when states decide on their own classifications for registration. The classifications of a vehicle determine whether a driver requires special licenses to operate certain types vehicles.

These state laws define the terms "automobile," "light truck" and other. For instance, the definition of light truck includes any motor vehicle with a manufacturer's rated carrying capacity of less than 7,500 pounds. This excludes panel delivery trucks and pickup trucks. It also excludes any combination of vehicles that is specifically designed to carry property or passengers wholly within its own structure, such as manufactured homes and trailers.

A wheel chair is a device with wheels. It is usually used by persons who because of physical impairment are unable to move about as pedestrians. A moped is a vehicle with no more than three wheels on the ground and that travels at a maximum speed of 35 miles per hour.

A pedicab, also known as pedal-driven vehicle, is driven by the operator sitting on the top. The owner of an automobile is the person who has the legal title.

Traffic Laws

Each state has its own motor vehicle laws that cover everything from the registration process to insurance requirements. The statutes also cover the kinds of vehicles covered by law. While some of these laws are similar between states, others are quite different. For instance, there are laws that limit the number of persons you can carry in a pedicab. There are also laws that prohibit reckless driving on certain types of roadways, such as parking spaces.

If you break the law, you could be fined and punished. Penalties could include having your license revoked or being required to take a traffic class.

One of the most important laws in a state pertaining to vehicles is the speed limits that are set on roadways. In New York for example, the speed limit is the same for commercial vehicles as it is for automobiles.

It also defines a "motor vehicle" as any type of vehicle or other device that is powered mechanically and is used on roads to transport property or people, or for other commercial reasons. The law excludes trailers semitrailers and coaches, all-terrain and snowmobiles as well as motorized mobility assist devices for people with disabilities, and self-propelled corn and harvesting machines for hay.

Insurance

A motor vehicle insurance policy is a contract which protects the insurer from financial loss caused by bodily injury, death, or property damage caused by a third party arising from maintaining, operating or use of an insured vehicle. It can also protect physical damage to the vehicle. It must mention the name and address of the insured named as well as the coverage provided by the policy, the cost that is charged, the period of effectiveness and the limits of liability. It must also contain an endorsement or agreement stating that the insurance offered is in compliance with the coverage specific to bodily injury and death, as well as property damage.

The wording in a motor vehicle accident attorney vehicle insurance policy can be confusing for the average person. Duncanville law firms typically recommend that individuals review the policy sample to fully 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.

Some examples of coverage under the motor vehicle policy are commercial auto insurance that covers vehicles used in connection with commercial establishments, business work or occupations that are primarily for profit; automobile liability insurance which includes MP and PIP; and uninsured and 0522891255.ussoft.kr underinsured motorist coverage (UM/UIM). A majority of states require drivers to carry this type of insurance.

Permissible Use

If someone other than a named insured or a family member drives your vehicle and is involved in getting into an accident, it is crucial to know the insurance coverage that is available in these situations. This is known as permissive utilization. The specifics of your insurance policy may vary, but a majority of major car insurers offer this type of coverage.

It is important to keep in mind that you are liable for any damage caused by a driver who has your permission. Permission can be implied or express but does not necessarily have to be written.

In determining whether there is implied consent, courts take into consideration the relationship between the parties, their past behavior and the usage of the vehicle and the circumstances surrounding a particular driving incident. A court will also consider the extent to which restrictions were imposed on the permissive use and if even one minor deviation from date, time, and location limitations of the initial permission would be in violation of these restrictions.

Keep in mind that adding a driver to your car insurance could cause your premium to go up since it makes the car more risky to insure. Therefore, you must think about your options carefully before lending your vehicle out to others. If you're not sure whether you should add someone to your policy or not, contact Jerry to discuss the specific terms of your insurance policy. Get a no-cost quote.