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Motor Vehicle Legal TermsThe laws regarding motor vehicles differ from state to state. In general, the law assumes that the vehicle is operating with the permission of the owner.Laws that increase penalties such as making revocation automatic and targeting social hosts have mixed impact on mortality rates. All of these measures, including obligatory education, alcohol treatment, and interlock devices, have a small impact.Legal DefinitionsState laws govern legal terms for motor vehicles. The federal definitions for national standards for fuel economy and licensing requirements for commercial vehicle drivers are primarily administrative, and they do not have any effect when states establish their own classifications for registration. These vehicle classifications determine if a driver needs special licenses to operate certain types of vehicles.The state laws define the terms “automobile,” “light truck” and others. For instance, the definition of light truck includes any motor vehicle that has an estimated carrying capacity of 7,500 pounds or less. This excludes panel delivery trucks as well as pickup trucks. It also excludes any vehicle or combination of vehicles specifically designed to carry passengers or property entirely within its own structure, such as trailers and manufactured homes.Wheel chair is a conveyance with wheels, which is used by people who have physical disabilities and cannot walk. Mopeds are motor vehicle with not more than three wheels that are in contact with the ground. It is able to travel at a speed of not more than 35 miles per hour.A pedal-driven vehicle, is one that is driven by a driver who sits on the top. The owner of a vehicle is the one who is the legal owner.Traffic LawsTypically, every state has its own set of motor vehicle laws that deal with everything from the registration process to the insurance requirements. These laws also address the kinds of vehicles subject to the law. Some of these laws are similar across states, but other laws differ significantly. There are laws that restrict how many people can be transported by pedicab. There are laws that prohibit reckless driving in certain types of roads, for instance, a parking lots.Someone who operates a motor vehicle that is in violation of these laws can face penalties and fines for violating these laws. The penalties could vary from having your driver’s license suspended to being required to attend traffic school.The law that regulates speed limits on roads is one of the most important laws that states have. In New York, for example, it states that the speed limit for commercial vehicle is the same as that of an automobile.The law also sets out the definition of the term “motor vehicle.” This covers every description of carriage or other device that is powered by mechanical power and is employed on a public highway for the transportation of persons or property or for other commercial use. It excludes semitrailers and trailers and coaches, house trailers or coach trailers as well as vehicles that operate upon rails or tracks, snowmobiles and all-terrain vehicles and motorized mobility aids operated by a person with a disability and self-propelled corn or hay harvesting machines and tractors.InsuranceA motor vehicle insurance policy is a contract between the insured and the insurer that provides insurance against financial loss due to the risk of bodily injury or property damage to a third party that arises out of ownership operating, maintenance, or the use of a covered automobile. It may also provide protection against physical damage to the covered vehicle. It must include the address and name of the insured named the policy, the coverage provided by the policy, the amount that is charged, the period of effectiveness and the limits of liability. It should also contain an agreement or a statement that insurance is provided thereunder in conformity with the coverage described in the policy, in relation to injuries to the body or death or property damage and is subject to all the rules of this chapter.The language used in a motor vehicle policy can be confusing for anyone, and Duncanville law firms usually suggest that individuals read the sample policy to know the terms. One of the biggest areas of confusion is the definition of the term “motor vehicle.” The phrase is used often in statutes governing the registration of vehicles and financial responsibility laws.Examples of the coverages that are covered under an insurance policy are commercial auto coverage for automobiles used for commercial or business establishments or other activities, employment or occupations done to earn money, automobile liability insurance, which covers PIP MP, MP, as well as uninsured and underinsured motorist coverage (UM/UIM). Many states require drivers to have this kind of insurance.Permissive UseIt is important to know the way insurance coverage works in the event that a person other than the named insured or a family member drives your vehicle and causes an accident. This is called permissive usage. The specifics of your insurance policy might vary, but most large insurance companies offer this type of coverage.It is crucial to remember that you are accountable for any damages caused by a driver with your permission. Permission may be express or implied and does not typically have to be written.In determining if there was implied consent, courts will look at the relationship of the parties, their prior conduct and usage of the vehicle and the circumstances surrounding a specific driving incident. motor vehicle accident law firm allentown will consider whether any restrictions were imposed on the scope of permissive use. It will also consider if an unintentional deviation from the duration, location and limitations of the original permission would violate the restrictions.Be aware that adding another driver to your insurance will result in your premium going up, since it makes the car more risky to insure. It is important to consider your options prior to lending out your vehicle to others. If you’re not sure whether to add someone to your policy or not, get in touch with Jerry to discuss the specifics of your insurance policy and receive a no-cost quote.