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Motor Vehicle Legal TermsMotor vehicle laws vary greatly from state to state. In general, the law assumes that the vehicle is operating with the permission of the owner.The mortality rates are influenced by laws that increase penalties or make revocation automatic or make social hosts targets. All of these measures, including mandatory education, alcohol treatment and interlock devices, have only a tiny effect.Legal DefinitionsState laws govern motor vehicle legal terms. The definitions used by the federal government for national standards for fuel economy and licensing standards for commercial vehicle drivers are mostly administrative and are not applicable to states that decide their own registration classifications. These classifications of vehicles determine if a driver needs an additional license to operate certain types of vehicles.The laws of the state define terms such as “automobile,” “light trucks” and many more. For example, the definition of a light truck comprises every motor vehicle with a manufacturer’s rated carrying capacity of 7,500 pounds or less. This excludes panel delivery trucks as well as pickup trucks. It also excludes any combination of vehicles designed primarily to carry passengers or property completely within its own structure, such as manufactured homes and trailers.A wheel chair conveyance is a machine with wheels, typically used by those who because of physical impairment cannot walk around as pedestrians. A moped is an automobile with no more than three wheels on the ground, and that can travel at the speed of 35 miles per hour.A pedicab, or pedal-driven vehicle, is driven by the person sitting on the top of it. The person who has the legal title to a car is called its owner.Traffic LawsTypically, each state has its own set of motor vehicle laws, which encompass everything from registration process to insurance requirements. These laws also cover the kinds of vehicles covered by the law. Some of these laws are the same across states, but other laws differ significantly. There are laws that restrict the number of people that can be transported by pedicab. There are laws against reckless driving in certain types of roads, like a parking lots.If you are in violation of these laws, you may be penalized and fined. Penalties could include having your license revoked or the requirement to go to traffic school.One of the most important laws in a particular state regarding automobiles is that it governs the speed limits that are placed on roads. In New York, for example it stipulates that the speed limit for a commercial vehicle is the same as that of an automobile.It also defines the term “motor vehicle” as any carriage or other device that is powered mechanically and is used on roads to move property or people or for other commercial purposes. It does not include semitrailers and trailers such as coaches or house trailers or vehicles that only run on tracks or rails snowmobiles, all-terrain and snowmobiles, motorized mobility assist devices used by people with a disability and self-propelled corn or hay harvesting machines and tractor.InsuranceA motor vehicle policy is a contract that covers the insurer from financial loss caused by bodily injury or death or property damage caused by a third-party that results from the ownership, operation, maintenance or the use of an insured vehicle. It may also cover physical damage to the vehicle. It must include the name and address of the insured named and the amount of coverage offered by the policy, the cost payable, the duration of effectiveness and the limits of liability. It must also include an agreement or endorsement that states that the insurance coverage is in compliance with the coverage specific to bodily injury or death, or property damage.The wording in the motor vehicle policy may be confusing for the average person, and Duncanville law firms often recommend that a person read the policy sample to fully comprehend the terms. One of the most frequent confusions is the definition of “motor vehicle”. The phrase is found in a number of statutes that govern vehicle registration and financial responsibility laws.Some examples of coverage provided under the motor vehicle policy are commercial auto insurance for vehicles that are used in connection with commercial establishments, business activities, employment or occupations that are primarily for profit; automobile liability insurance, which includes MP and PIP; and uninsured motorist and underinsured driver coverage (UM/UIM). This kind of insurance is required by many states.Permissive UseIf someone other than the named insured or a family member drives your vehicle and is involved in getting into an accident, it is important to understand the way insurance coverage works in these instances. This concept is referred to as permissive use. motor vehicle accident law firm lakewood of your policy could differ however, in general, most large car insurance companies offer this kind of coverage.It is important to keep in mind that you are responsible for any damage caused by a driver with your permission. Permission may be expressed or implied and does not always require writing.In determining whether there is implied permission, courts examine the relationship between the parties; their past conduct and usage of the vehicle; and circumstances surrounding the particular driving event that is in question. A court also will consider whether any restrictions were imposed on the permissive usage and if one minor deviation from time, place and use limitations of the original permission would violate these restrictions.Remember that adding a driver to your insurance will cause your insurance premium to go up, as it makes the car more risky to insure. Therefore, it is important to think about your options carefully before lending your car to others. If you are unsure about whether you should add someone to your policy or not, call Jerry to discuss the specific terms of your insurance policy and get an estimate for free.