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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, make revocation automatic, or specifically target social hosts. All of these measures, such as obligatory education, alcohol treatment and interlock devices, have a small impact. Legal Definitions State laws govern the legal definitions of motor vehicles. The federal definitions for national standards for fuel economy and licensing standards for commercial vehicle drivers are mostly administrative and do not apply when states decide on their own classifications for registration. These classifications for vehicle registrations determine whether a driver has to be granted a specific license to operate certain kinds of vehicles. The state laws define the terms “automobile,” “light truck” and other. For example, the definition of light truck includes any motor vehicle with the capacity of the manufacturer's rated carrying capacity of 7,500 pounds or less. This excludes panel delivery trucks as well as pickup trucks. Also, it does not include any combination of vehicles that is designed primarily to carry passengers or property completely within its own structure, such as manufactured homes and trailers. Wheel chair is a conveyance with wheels used by people who are physically disabled and cannot walk. A moped is an automobile with only three wheels on the ground, and that travels at a maximum speed of 35 miles per hour. A pedicab is a motorized vehicle that is driven by a driver who is sitting on it. The person who has the legal title to a vehicle is known as its owner. Traffic Laws Typically, every state has its own set of motor vehicle laws, which encompass everything from registration process to the insurance requirements. These laws also cover the types of vehicles covered by the law. While some of these laws are similar across states, some are very different. For instance there are laws that restrict the number of passengers you can carry in a pedicab. There are also laws that ban reckless driving on certain kinds of roadways, such as parking lots. Any person who operates a motor vehicle in violation of these rules could be punished with fines and penalties for violating these laws. Penalties can include having your license revoked or having to attend traffic school. The law that regulates speed limits on roads is one of the most important laws states have. In New York, for example it says that the speed limit for a commercial vehicle is identical to that of an automobile. It also defines a “motor vehicle” as any vehicle or any other device that moves mechanically and used on the highway to transport property or people or for commercial purposes. The law does not apply to trailers, coaches and semitrailers, all terrain and snowmobile vehicles and motorized mobility assist devices for people with disabilities, and self-propelled corn and harvesting machines for hay. Insurance A motor insurance policy for vehicles is a contract between the insured and the insurer that provides insurance against financial losses arising from liability for bodily injury or death, property damage to a third party arising out of the ownership or operation, maintenance, or the use of a covered vehicle. It can also cover physical damage to the vehicle. It must contain the name and address of the named insured the policy, the coverage provided by the policy, the amount that is charged, the period of effectivity and the limits of liability. It must also contain an agreement or endorsement that the insurance provided is in conformity with the coverage set out therein as respects bodily injury or property damage or death and is subject to the rules of this chapter. Duncanville law firms frequently suggest that clients read the sample motor vehicle policy in order to comprehend the terms. One of the most frequent confusions is the definition of “motor vehicle”. This phrase is used in a number of statutes that govern vehicle registration and financial responsibility laws. Examples of the coverages that are covered under a motor insurance policy include commercial auto insurance for cars that are used for commercial, business establishments or other activities, employment or occupations done for profit, automobile liability coverage, which comprises PIP MP, MP, as well as uninsured and underinsured motorist coverage (UM/UIM). A majority of states require drivers to carry this type of insurance. Permissive Use If someone other than the named insured or a family member drives your vehicle and is involved in getting into an accident, it is crucial to know the insurance coverage that is available in these circumstances. This is known as permissive usage. The specifics of your insurance policy might differ, but most large car insurers offer this type coverage. However, it is important to keep in mind that anyone driving your car must have your permission to be held responsible for any damages. Permission can be express or implied, and typically does not need to be recorded. In determining whether there is implied permission, courts look at the relationship between the parties; their prior conduct and usage of the vehicle; and the circumstances surrounding the specific driving event. A court will also examine whether any restrictions were imposed on the scope of permissive use and if even minor deviations from time, location and usage limitations of the original permission would be in violation of these limitations. Remember that adding an additional driver to your insurance policy is likely to increase your premium, because the vehicle becomes more risky to cover. motor vehicle accident attorney ontario is therefore essential to consider your options carefully prior to lending your car to anyone else. If you are unsure about whether to include someone on your policy or not. Contact Jerry to discuss the specifics of your insurance policy and get a no-cost quote.