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10 Wrong Answers To Common Motor Vehicle Litigation Questions: Do You Know The Right Ones?
Motor Vehicle Legal Terms

Motor vehicle laws vary greatly from state to state. In general the law assumes the vehicle is operating with its owner's permission.

The mortality rates are affected by laws that increase penalties and make revocation automatic or target social hosts. All of these measures, including mandatory education, alcohol treatment, and interlock devices, have only a little effect.

Legal Definitions

State laws govern legal terms for motor vehicles. The various federal definitions used for matters related to national requirements for fuel efficiency and licensing requirements for commercial vehicle drivers are primarily for administrative reasons, and are not applicable to states determining their own registration classifications. These classifications for vehicle registrations determine if a driver needs to be issued a special license to operate certain types of vehicles.

These state laws define terms such as "automobile," "light trucks" and more. For motor vehicle accident attorney lake forest of a light truck comprises any motor vehicle that has an estimated carrying capacity of less than 7,500 pounds. This excludes pickup trucks and panel delivery trucks. Also, it does not include any vehicle or combination of vehicles that is specifically designed to transport passengers or property completely within its own structure, including manufactured homes and trailers.

Wheel chair is a conveyance with wheels used by those who are physically disabled and unable to walk. A moped is a vehicle with at most 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 driven by the person sitting on the top. The owner of the vehicle is the person who is the legal owner.

Traffic Laws

Typically, every state has its own set of motor vehicle laws, which encompass everything from registration process to insurance requirements. The statutes also cover the types of vehicles that are covered by the law. Some of these laws are similar across states, however others differ greatly. For instance, there are laws that limit the number of persons that can be transported in the pedicab. There are also laws that ban reckless driving on certain types of roads, for instance parking areas.


If you break the law, you could be penalized and fined. Penalties could include having your license revoked or being required to attend traffic school.

The law governing speed limits on roads is among the most important laws a state has. In New York for example, the speed limit is the same for commercial vehicles and automobiles.

The law also sets out the definition of the term "motor vehicle." This covers every description of a carriage or contrivance that is propelled by mechanical energy and used on a highway to transport people or property, or for any other commercial purpose. The law excludes trailers, semitrailers and coaches, all-terrain and snowmobiles, motorized mobility assist devices used by disabled people, and self-propelled corn and harvesting machines for hay.

Insurance

A motor vehicle policy is a contract which protects the insurer from financial loss in the event of injuries to the body or death or property damage caused by a third party caused by the ownership, operation, maintenance or the use of an insured vehicle. It may also protect against physical damage to the vehicle. It must contain the name and address of the named insured as well as the protection provided by the policy. It also includes the amount of premium paid and the time frame for the duration of the policy in effect, as well as the responsibility limits. It should also include an agreement or a statement that the insurance provided is in conformity with the coverage set out in respect of injuries to the body, property damage, or death, and is subject to all the provisions of this chapter.

The wording in the motor vehicle policy may be confusing to the average person. Duncanville law firms will often suggest that individuals read a sample policy to fully know the terms. One of the most frequently encountered areas of confusion is the definition of the term "motor vehicle." The phrase appears frequently in statutes governing the registration of vehicles and financial responsibility laws.

Some examples of coverage under the motor vehicle policy are commercial auto insurance for vehicles that are used for commercial, business, occupations, or activities that are primarily for profit; automobile liability insurance which includes PIP and MP; and uninsured and underinsured motorist coverage (UM/UIM). This kind of insurance is required by many states.

Permissive Use

If someone other than a named insured or a family member drives your car and gets into an accident, it is important to understand the way insurance coverage works in these instances. This is known as permissive utilization. The specifics of your insurance policy may differ, but the majority of large insurance companies offer this type of coverage.

However, it is crucial to remember that the person driving your car must have your permission in order for you to be held responsible for any damages. Permission can be express or implied, and generally does not have to be written down.

In determining if there is an implied permission, courts consider the relationship between the two parties; their previous behavior and use of the vehicle; and the circumstances surrounding the specific driving incident in question. A judge will also consider whether there were any restrictions placed on the permissive usage, and if any minor deviations from the duration, location or restrictions of the initial permission would be in violation of these limitations.

Remember that adding a driver to your insurance is likely to increase your insurance premium up, as it makes the vehicle more risky to insure. It is important to consider your options prior to lending out your vehicle to others. Contact Jerry to get a free insurance quote and to discuss your policy's terms.

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