Motor Vehicle Legal Terms The laws that govern motor vehicles differ widely from state to state In general, laws assume that the vehicle was operated by the owner's permission Laws that enhance penalties such as making revocation automatic and targeting social hosts can have mixed impacts on mortality rates All of these measures, such as obligatory education, alcohol treatment, and interlock devices have a little impact Legal Definitions State laws govern legal terms for motor vehicles The federal definitions for national fuel economy standards and licensing standards for drivers of commercial vehicles are mostly administrative in nature and do not apply to states that decide their own registration classifications These vehicle registration classifications determine if a driver needs to obtain a special license to operate certain kinds of vehicles These state laws define the terms "automobile," "light truck" and others For example, the definition of light truck includes any motor vehicle with a manufacturer's rated carrying capacity of less than 7,500 pounds This excludes panel delivery trucks and pickup trucks This includes any vehicle or combination designed to transport people or property within its own structure This includes manufactured homes and trailers Wheel chair is a conveyance equipped with wheels and is used by those who have physical disabilities and cannot walk Mopeds are motor vehicle with no more than three wheels in contact with the ground It can travel at speeds not more than 35 miles per hour A pedicab, also known as pedal-driven vehicle, is driven by the person sitting on top of it The owner of the vehicle is the person who has the legal title Traffic Laws Each state has its own set motor vehicle laws that cover everything from the registration process to the insurance requirements https//vimeocom/706734485 address the types of vehicles protected by law Some of these laws are the same across states, however others are different For instance, there are laws that restrict the number of passengers that can be transported in the pedicab There are also laws that ban reckless driving on certain kinds of roads, for instance parking lots Someone who operates a motor vehicle that is in violation of these rules could be punished with fines and penalties for violating these laws The penalties can range from getting your driver's license revoked or being required to attend traffic school The law that regulates speed limits on roads is among the most important laws that a state has In New York for example, the speed limit is the same for commercial vehicles as it is for automobiles The law also sets out the definition of a "motor vehicle" This includes any description of a carriage or other device that is driven by mechanical force and used on a public highway for the transport of people or property, or for other commercial use The law does not apply to trailers, coaches and semitrailers, all terrain and snowmobiles and motorized mobility assist devices that are operated by people with disabilities and self-propelled corn, as well as harvesting machines for hay Insurance A motor vehicle insurance policy is a contract between the insurer and insured that provides insurance against financial loss due to liability for bodily injuries or death, property damage to a third party arising from ownership operating, maintenance, or use of a covered vehicle It can also offer protection against physical damage to the vehicle itself It must state the name and address of the named insured as well as the coverage provided by the policy, the cost charged therefor, the period of its 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 for bodily injury or property damage, or death, and is subject to all of the provisions of this chapter Duncanville law firms frequently suggest that people read the sample motor vehicle policy in order to comprehend the terms One of the most common confusions is the definition of "motor vehicle" This phrase is found in a variety of statutes that regulate the registration of vehicles and financial accountability laws Some examples of coverage provided under a motor vehicle policy include commercial automobile insurance for vehicles used in connection with commercial establishments, business occupations, or activities carried on for profit; auto liability insurance that covers MP and PIP as well as uninsured and underinsured motorist coverage UM/UIM This type of insurance is required by a number of states Permissive Use It is essential to know what insurance coverage is available in the event that someone other than the named insured or a family member drives your car and causes an accident This is known as permissive usage The specifics of your insurance policy might differ, but the majority of large car insurers offer this type coverage It is crucial to remember that you are responsible for any damage caused by a driver with your permission Permission can be express or implied, and it typically does not need to be written down In determining whether there is implied permission, courts look at the relationship between the parties, their previous conduct and usage of the vehicle; and circumstances surrounding the specific driving event The court will also consider whether there were any restrictions placed on the permissive usage and if an unintentional deviation from the time, place and use restrictions of the original permission would violate these limitations Remember that adding an additional driver to your insurance policy is likely to increase your premium, as the vehicle becomes more difficult to cover It is important to carefully consider your options prior to lending your vehicle to someone else If you aren't sure whether to include someone on your policy or not Contact Jerry to discuss the specific terms of your insurance policy Get an estimate for free