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Motor Vehicle Legal Terms
The laws governing motor vehicles vary from state to state. In general the law, it assumes that the vehicle is operating with the permission of the owner.
Laws that enhance penalties, making revocation automatic or targeting social hosts can have mixed effects on mortality rates. Mandatory education, alcohol treatment and interlock devices have a limited impact.
Legal Definitions
The laws governing motor vehicle legal terms are formulated and decided at the state level. The federal definitions for national standards for fuel economy and licensing requirements for commercial vehicle drivers are primarily administrative and do not apply when states establish their own classifications of registration. These vehicle classifications determine if a motorist requires an additional license to operate certain types of vehicles.
The state laws define the terms "automobile," "light truck" and many others. For example, the definition of light truck includes any motor vehicle that has the capacity of the manufacturer's rated carrying capacity of 7,500 pounds or less. This excludes panel delivery trucks and pickup trucks. Also, it excludes any combination of vehicles that is designed primarily to carry passengers or property completely within its own structure, like manufactured homes and trailers.
A wheel chair conveyance is a machine with wheels, used primarily by people who are physically disabled and, are unable to move around as pedestrians. A moped is an automobile with only 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 one that is driven by the operator who sits on the top of it. The owner of the vehicle is the person who has the legal title.
Traffic Laws
Typically, each state has its own set of motor vehicle law that regulate everything from the registration process to insurance requirements. These laws also cover the kinds of vehicles covered by law. While certain laws are fairly similar across states, others are quite different. There are laws that limit the number of people who can be transported by pedicab. There are laws that ban reckless driving in certain types of roads, such as parking lot.
Someone who operates a motor vehicle that is in violation of these laws could be punished with fines and penalties for doing so. Penalties can include getting your license suspended or having to take a traffic class.
The law that governs speed limits on roads is among the most important laws that states have. 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 driven mechanically and used on roads to move property or people, or for other commercial reasons. It excludes trailers and semitrailers and coaches, house trailers or coach trailers, vehicles that run only on tracks or rails snowmobiles, all-terrain vehicles and snowmobiles and motorized mobility aids used by people with disabilities, and self-propelled corn or hay harvesting machines and tractors.
Insurance
A motor vehicle policy is a contract that protects the insurer against financial losses due to liability for bodily injury, death, or property damage caused by a third-party due to the operating, ownership, maintenance, or use of an insured vehicle. It can also cover physical damage to the vehicle. It must contain the name and address of the named insured as along with the coverage provided by the policy. It also contains cost of the policy, the period for the period that the policy is in force, and the responsibility limits. It should also include an agreement or endorsement that the insurance 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 typically recommend that individuals review the sample motor vehicle policy in order to be aware of the terms. One of the biggest areas of confusion is the definition of "motor vehicle." The phrase appears often in statutes governing the registration of vehicles and financial responsibility laws.
Some examples of coverage provided under a motor vehicle policy include commercial auto insurance that covers vehicles used in connection with commercial, business, jobs, or other activities carried on for profit; automobile liability insurance which includes MP and PIP as well as uninsured and underinsured motorist coverage (UM/UIM). This kind of insurance is required by a number of states.
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If someone other than the named insured or a family member drives your car and gets into an accident, it is crucial to know the insurance coverage that is available in these situations. This is called permissive usage. The specific terms of your insurance policy could vary, but a majority of major car insurers offer this type of coverage.
However, it is crucial to note that a person driving your vehicle must have your permission for you to be held liable for damages. Permission can be given in writing or implied, and usually does not have to be written down.
In determining if there is implied consent, courts will take into consideration the relationship between the parties, their prior behavior and the use of the vehicle, as well as the circumstances surrounding a specific driving event. A court will also look at whether any restrictions were placed regarding the permissive usage and whether even minor deviations from duration, location or limitations of an initial permission would be in violation of these restrictions.
Be aware that adding a driver to your auto insurance policy will likely raise your premiums, as the vehicle becomes more difficult to insure. It is essential to consider your options prior to lending your car to other people. Contact Jerry for a no-cost insurance quote and discuss your policy terms.