motor vehicle accident Vehicle Legal Terms

The laws that govern motor vehicles are different from state to state. In general the law, it is assumed that a vehicle is being operated by the owner's permission.

The mortality rates are influenced by laws that increase penalties that make revocation automatic or target social hosts. All of these measures, such as mandatory education, alcohol treatment and interlock devices, have a slight impact.

Legal Definitions

The laws that govern the legal definitions of motor vehicles are defined and determined at the state level. The various federal definitions used for matters pertaining to national requirements for fuel efficiency and licensing requirements for commercial vehicle drivers serve mainly for administrative reasons, and are not applicable to states that are determining their own registration classifications. The classifications of a vehicle determine whether a driver requires an additional license to operate certain kinds of vehicles.

The state laws define the terms "automobile," "light truck" and other. For instance light truck, it is any motor vehicle that has a capacity that is less than 7,500 pounds. This excludes panel delivery trucks as well as pickup trucks. Also, it excludes any vehicle or combination of vehicles that is intended to transport property or passengers wholly within its own structure, like trailers and manufactured homes.

A wheel chair is a device equipped with wheels, typically used by those who are physically disabled and are unable to move about as pedestrians. A moped is an automobile with only three wheels on the ground, and that can travel at an maximum speed of 35 miles per hour.

A pedicab is a type of vehicle that is driven by an operator sitting on it. The owner of an automobile is the person who holds the legal title.

Traffic Laws

Each state has its own set of motor vehicle laws that cover everything from the registration procedure to insurance requirements. These laws also address the kinds of vehicles covered by law. While some of these laws are fairly similar between states, others are quite different. For instance there are laws that limit the number of people that can be transported in a pedicab. There are also laws that ban reckless driving on certain kinds of roads, for instance parking areas.

If you break the law, you could be punished and fined. The penalties can vary from having your driver's licence suspended and being required to attend traffic school.

One of the most important laws a state has regarding vehicles is the speed limits set on roadways. In New York for example, the speed limit is the same for commercial vehicles and automobiles.

The law also defines the definition of the term "motor vehicle." This includes every description of carriage or other device that is powered by mechanical power and used on a highway to transport people or property or for any other commercial use. It does not include trailers and semitrailers, coaches or house trailers or vehicles that only run on tracks or rails snowmobiles, all-terrain vehicles and snowmobiles, motorized mobility assistance devices used by people with disabilities and self-propelled hay harvesting machines and tractor.

Insurance

A motor insurance policy for vehicles is a contract between the insurer and insured that provides insurance against financial losses arising from the risk of bodily injury or property damage to a third party that arises from ownership or operation, maintenance, or the use of a covered automobile. It may also cover physical damage to the vehicle. It must mention the address and name of the insured named and the amount of coverage offered by the policy, the premium charged therefor, the period of effectiveness and the limits of liability. It must also contain an agreement or endorsement stating that the insurance is in compliance with the coverage specific to bodily injury and death, as well as property damage.

Duncanville law firms typically recommend that clients review the sample motor vehicle policy to understand the terms. One of the most frequently encountered areas of confusion is the definition of the term "Motor Vehicle accident Lawyers vehicle." The phrase is used often in statutes that govern the registration of vehicles and financial responsibility laws.

Examples of coverage under a motor vehicle policy include commercial automobile insurance for vehicles used in connection with commercial, business, activities, employment or occupations that are conducted for profit; automobile liability insurance that includes MP and PIP; and Motor vehicle Accident Lawyers underinsured and uninsured motorist coverage (UM/UIM). Many states require drivers to carry this type of insurance.

Permissive Use

It is essential to know how insurance coverage works in the event that someone other than the named insured or a family member is driving your vehicle and causes an accident. This is known as permissive utilization. The specific terms of your insurance policy might differ, but most large car insurers offer this type coverage.

It is important to remember that you are accountable for any damage caused by a driver who has your permission. Permission may be granted in the form of a written statement 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 parties, their previous behavior motor vehicle accident lawyers and use of the vehicle; and the circumstances surrounding the specific driving event that is in question. A judge will also consider whether any restrictions were placed regarding the permissive usage and if even a minor deviation from the duration, location or restrictions of the permission would be in violation of these limitations.

Remember that adding a driver to your auto insurance policy is likely to increase the cost of your insurance, since the vehicle becomes more risky to insure. It is important to evaluate your options prior to lending your car to someone else. Contact Jerry for a no-cost insurance quote and discuss the policy's terms.