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Motor Vehicle Legal Terms The laws for motor vehicles vary from state to state. In general, the laws assume that the vehicle was used by the owner's permission. The mortality rates are influenced by laws that increase penalties and make revocation automatic or focus on social hosts. All of these measures, including obligatory education, alcohol treatment and interlock devices, have only a tiny impact. Legal Definitions State laws govern legal terms for motor vehicles. The various definitions that are used for matters related to national requirements for fuel efficiency and licensing standards for commercial vehicle drivers are primarily for administrative reasons, and do not apply to states determining their own registration classifications. These classifications for vehicles determine if a motorist requires an additional license to operate certain types vehicles. These state laws define the terms “automobile,” “light truck” and other. For example the definition of light truck is every motor vehicle with an rated carrying capacity by the manufacturer of less than 7,500 pounds. This excludes pickup trucks and panel delivery trucks. It also excludes any vehicle or combination of vehicles specifically designed to carry passengers or property within the structure of the vehicle, which includes trailers and manufactured homes. Wheel chair is a conveyance with wheels used by people who have physical disabilities and cannot walk. Mopeds are motor vehicle that has no more than three wheels in contact with the ground that travels at speeds of no more than 35 miles per hour. A pedicab is a motorized vehicle which is driven by an operator who sits on it. The person who has the legal title to a car is called its owner. Traffic Laws Typically, each state has its own set of motor vehicle laws which deal with everything from the registration process to insurance requirements. These laws also address the kinds of vehicles that are covered by the law. While certain laws are similar across states, others are quite different. For instance, there are laws that restrict the number of people you can carry in the pedicab. There are laws that ban reckless driving on certain kinds of roads, including parking lots. Anyone who drives a motor vehicle in violation of these laws can face penalties and fines for violating these laws. The penalties could range from having your driver's licence suspended or being required to attend an traffic school. One of the most important laws in a particular state regarding vehicles is the one that governs the speed limits established on the roads. In New York, for example it is stated that the speed limit for a commercial vehicle is the same as that of an automobile. It also defines a “motor vehicle” as any type of vehicle or other device that is powered mechanically and used on roads to transport people or property or for other commercial reasons. It excludes semitrailers and trailers as well as house trailers or coaches, vehicles that run only upon rails or tracks snowmobiles, all-terrain and snowmobiles as well as motorized mobility aids that are operated by a person who has disabilities, and self-propelled hay harvesting machines and tractors. Insurance A motor vehicle insurance policy is an agreement between the insured and the insurer which provides insurance against financial loss on account of the liability for bodily injury, property damage to a third party arising from ownership or operation, maintenance, or use of a covered car. It can also offer protection against physical damage to the vehicle itself. It must include the name and address the named insured as along with the coverage provided by the policy. motor vehicle accident lawsuit jacksonville includes the amount of premium paid as well as the time period during the period that the policy is in force, and the maximum amount of responsibility. It must also contain an agreement or a statement that the insurance is provided in accordance with the coverage stated in the policy, in relation to injuries to the body or property damage, and is subject to all of the provisions of this chapter. Duncanville law firms often recommend that clients review a sample motor vehicle policy in order to be aware of the terms. One of the most common areas of confusion is the definition of “motor vehicle.” The phrase is used frequently in statutes governing registration of vehicles as well as financial responsibility laws. Examples of the coverages that are covered under a motor policy include commercial auto insurance for vehicles used for business, commercial establishments or activities, employment, or occupations that are performed for profit, automobile liability coverage, which includes PIP, MP, and uninsured or underinsured driver coverage (UM/UIM). A majority of states require drivers to have this type of insurance. Permitted Use It is essential to understand the way insurance coverage works in the event that someone other than the named insured or a family member drives your vehicle and causes an accident. This is known as permissive utilization. The specific terms of your insurance policy might vary, but most large automobile insurers provide this kind of coverage. However, it is crucial to remember that the person driving your vehicle must have your permission in order for you to be held liable for damages. Permission can be express or implied, and it generally does not have to be written down. In determining if there is implied consent, courts examine the relationship between the parties, their prior conduct and usage of the vehicle and the circumstances surrounding a specific driving event. A court will also look at whether there were any restrictions placed on the permissive usage and whether any minor deviations from the time, location and use restrictions of the initial permission would be in violation of these restrictions. Remember that adding a driver to your auto insurance policy will raise your premiums, as the vehicle becomes more difficult to insure. Therefore, you must think about your options carefully before lending your vehicle out to others. If you are unsure about whether to add someone to your policy or not, call Jerry to discuss the specific terms of your insurance policy. Get a free quote.