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Motor Vehicle Legal Terms Motor vehicle laws vary greatly from state to state. In general the law, it is assumed that a vehicle is being operated by the owner's permission. Laws enhancing penalties such as making revocation automatic and the targeting of social hosts have mixed impacts on mortality rates. All of these measures, which include mandatory education, alcohol treatment and interlock devices, have only a little impact. Legal Definitions The laws that govern motor vehicle legal terms are formulated and determined at the state level. The federal definitions for national fuel economy standards and licensing requirements for drivers of commercial vehicles are mostly administrative in nature and do not apply to states that decide their own classifications for registration. The classifications of a vehicle's registration determine whether a driver has to get a license specific to operate certain kinds of vehicles. These laws define terms like “automobile,” “light trucks” and many more. For motor vehicle accident lawsuit santa clara , a light truck is any vehicle with a capacity that is less than 7,500 pounds. This excludes pickup trucks and panel delivery trucks. It also excludes any vehicle or combination of vehicles that is designed primarily to carry passengers or property completely within its own structure, such as trailers and manufactured homes. A wheel chair is a device with wheels, typically used by people who because of physical impairment cannot walk as pedestrians. A moped is an automobile with only three wheels on the ground and that can travel at a maximum speed of 35 miles per hour. A pedicab is a vehicle that is propelled by an operator sitting on it. The owner of a vehicle is the one who is the legal owner. Traffic Laws Each state has its own motor vehicle laws that cover everything from registration procedure to insurance requirements. These laws also cover the types of vehicles covered by law. Some of these laws are the same across states, however others are different. There are laws that limit the number of people who can be transported in a pedicab. There are laws that prohibit reckless driving on certain types of roads, like parking areas. Any person who operates a motor vehicle that is in violation of these laws can be penalized and liable for fines for doing so. Penalties could include having your license suspended or the requirement to go to traffic school. One of the most important laws in a state pertaining to vehicles is that which governs the speed limits set on roadways. In New York, for example it stipulates that the speed limit for commercial vehicle is identical to that of an automobile. The law also defines the definition of the term “motor vehicle.” This includes every description of a carriage or device that is powered by mechanical energy and utilized on a public road for the transportation of persons or property, or for other commercial purpose. It excludes semitrailers and trailers such as coaches or house trailers and vehicles that operate only on tracks or rails snowmobiles, all-terrain and snowmobiles and motorized mobility aids used by people with disabilities and self-propelled hay harvesting or corn harvesting machines and tractors. Insurance A motor vehicle insurance policy is a contract between the insurer and insured which provides insurance against financial loss resulting from liability for bodily injury or death, property damage to a third party arising out of ownership, operation, maintenance or use of a covered car. It also provides protection against physical damage to the covered vehicle. It must contain the name and address the named insured as well as the coverage provided by the policy. It also contains the amount of premium paid, the period for the period for which the policy is in effect, as well as the limits of responsibility. It should also contain an agreement or endorsement that the insurance is provided in accordance with the coverage stated in the policy, in relation to bodily injury or property damage or death and is subject to all of the provisions of this chapter. The language of a motor vehicle policy can be confusing to the average person. Duncanville law firms will often recommend that individuals review the policy sample to fully comprehend the terms. One of the biggest areas of confusion is the definition of “motor vehicle.” The phrase is used frequently in 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 for commercial establishments, business work or occupations which are carried out for profit automobile liability insurance that includes MP and PIP, and uninsured and underinsured motorist coverage (UM/UIM). This type of insurance is required in many states. Permissible Use If you are not the named insured or family member drives your vehicle and gets involved in an accident, it is important to understand the way insurance coverage works in these circumstances. This is referred to as permissive use. The specific terms of your insurance policy might differ, but the majority of large insurance companies offer this type of coverage. However, it is crucial to note that a person driving your vehicle must have your permission in order to be held accountable for any damages. Permission may be expressed or implied, and it typically does not need to be recorded. In determining if there is an implied permission, courts will look at the relationship between the parties; their prior conduct and usage of the vehicle; as well as the circumstances surrounding the specific driving event in question. A court will also examine whether any restrictions were imposed regarding the permissive usage, and if even minor deviations from the time, location and use limitations of an initial permission would violate of these restrictions. Keep in mind that adding another driver to your car insurance is likely to cause your premium to go up, since it makes the car more risky to insure. It is crucial to weigh your options before giving your vehicle over to other people. Contact Jerry for a no-cost insurance quote and discuss your policy's terms.