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Motor Vehicle Legal Terms The laws governing motor vehicles vary from state to state. In general, the law assumes that the vehicle is operating with its owner's permission. The mortality rates are affected by laws that increase penalties, make revocation automatic, or specifically target social hosts. All of these measures, such as mandatory education, alcohol treatment, and interlock devices, have a slight impact. Legal Definitions State laws regulate the legal terms used by motor vehicles. The various definitions used by the federal government in connection with national requirements for fuel efficiency and licensing requirements for commercial vehicle drivers are primarily for administrative purposes and do not apply to states that decide their own registration classifications. The classifications of a vehicle's registration determine if a driver needs to get a license specific to operate certain kinds of vehicles. The laws of the state define terms like "automobile," "light trucks" and other terms. For instance the definition of light truck is any motor vehicle that has an estimated carrying capacity of 7,500 pounds or less. This excludes panel delivery vehicles and pickup trucks. Also, it excludes any combination of vehicles intended to transport passengers or property entirely within its own structure, like manufactured homes and trailers. Wheel chairs are vehicles equipped with wheels and is used by people who physically disabled and are unable to walk. 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, or pedal-driven vehicle, is one that is driven by the person sitting on top of it. The owner of the vehicle is the person who owns the legal title. Traffic Laws Each state has its own set motor vehicle laws that cover everything from registration procedure to insurance requirements. They also regulate the types of vehicles covered by law. While certain laws are similar across states, others vary significantly. For instance there are laws that restrict the number of passengers one can carry in a pedicab. There are also laws that ban reckless driving on certain kinds of roadways, such as parking areas. A person who operates a motor vehicle that is in violation of these laws can be penalized and liable for fines for doing so. The penalties could range from getting your driver's license revoked to having to attend an traffic school. One of the most important laws in a state regarding vehicles is the one that governs the speed limits put in place on the roads. In New York, for example, it states that the speed limit for commercial vehicle is the same as for an automobile. It also defines the term "motor vehicle" as any carriage or any other device that moves mechanically and used on roads to move people or property or for commercial purposes. It excludes semitrailers and trailers as well as house trailers or coaches or vehicles that only run upon rails or tracks, snowmobiles and all-terrain vehicles and motorized mobility aids that are operated by a person who has disabilities and self-propelled hay harvesting machines and tractors. Insurance A motor vehicle policy is a contract which protects the insurer from financial loss from liability for bodily injury, death, or property damage caused by a third party caused by the running, maintaining, ownership or the use of an insured vehicle. It also provides protection against physical damage to the vehicle. It must include the name and address the named insured as well as the coverage provided by the policy. It also contains the premium charged, the period for which the policy is in force, and the responsibility limits. It must also include an agreement or endorsement that states that the insurance offered is in accordance with the coverage provided for bodily injuries or death, as well as property damage. Duncanville law firms frequently suggest 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 that govern the registration of vehicles and financial accountability laws. Examples of coverages offered under a motor insurance policy include commercial auto insurance for cars used for commercial or business establishments or activities, employment, or occupations that are done for profit, and automobile liability insurance, which includes PIP MP,, and uninsured and underinsured coverage for drivers (UM/UIM). This kind of insurance is required by many states. Permitted Use It is important to know how insurance coverage will work when someone other than the named insured or a family member drives your vehicle and causes an accident. This is known as permissive usage. The specifics of your insurance policy may vary, but most large automobile insurers provide this kind of coverage. It is crucial to remember that you are accountable for any damages caused by a driver who has your permission. Permission may be expressed or implied, and is not required to be written down. In determining whether there is implied consent, courts will take into consideration the relationship between the parties, their prior conduct and use of the vehicle and the circumstances surrounding a specific driving event. The court will also consider whether there were any restrictions placed on the scope of permissive usage and if an unintentional deviation from the duration, location and restrictions of the original permission would violate the restrictions. Be motor vehicle accident lawyer nashville that adding the driver to your auto insurance policy is likely to increase your premium, as the vehicle becomes more difficult to cover. It is therefore important to be aware of your options before lending your car to others. Contact Jerry for a no-cost insurance quote and to discuss your policy terms.

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