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christiansburg motor vehicle accident law firm Vehicle Legal Terms

Motor vehicle laws vary greatly from state to state. In general, laws assume that a vehicle was operated by the owner's permission.

Laws enhancing penalties such as making revocation automatic and targeting social hosts have varying impact on mortality rates. Mandatory education, alcohol treatment and interlock devices have little effect.

Legal Definitions

State laws govern legal terms for motor vehicles. The different definitions of federal law used for national requirements for fuel economy and licensing standards for commercial vehicle drivers serve mainly for administrative purposes, and do not apply to states determining their own registration classifications. These vehicle classifications determine if a driver needs an exclusive license to operate certain types vehicles.

The state laws define the terms "automobile," "light truck" and other. For example the definition of light truck includes any motor vehicle with an estimated carrying capacity of 7,500 pounds or less. This excludes panel delivery trucks and pickup trucks. This is any vehicle or combination specifically designed to transport passengers or property within its own structure. This includes manufactured homes and trailers.

A wheel chair conveyance is a machine with wheels, used primarily by those who have physical disabilities that make them are unable to walk as pedestrians. A moped is a vehicle with no more than three wheels on the ground, and that travels at maximum speed of 35 miles per hour.

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

Traffic Laws

Each state has its own set of motor vehicle laws which cover everything from registration procedure to insurance requirements. They also regulate the kinds of vehicles covered by law. While certain laws are similar across states, others vary significantly. There are laws that limit how many people can be carried in a pedicab. There are laws that ban reckless driving on certain types of roads, like a parking lots.

If you break these laws, you could be fined and punished. The penalties could range from having your driver's license suspended to having to attend traffic school.

One of the most important laws a state has regarding vehicles is that which governs the speed limits that are put in place on the roads. In New York, for example, it states that the speed limit for commercial vehicle is similar to that of an automobile.

It also defines the term "motor vehicle" as any type of vehicle or other device that is powered mechanically and is used on a highway to transport people or property or for commercial reasons. It excludes semitrailers and trailers, coaches or house trailers or vehicles that only run upon rails or tracks snowmobiles and all-terrain vehicle and motorized mobility aids operated by a person with disabilities, and self-propelled hay harvesting machines and tractor.

Insurance

A motor vehicle policy is a contract that protects the insurer from financial loss caused by injuries to the body or death or property damage caused by a third-party arising from running, maintaining, ownership, or use of an insured vehicle. It may also protect physical damage to the vehicle. It must mention the name and address of the named insured the policy, the coverage provided by the policy, as well as the premium payable, the duration of its effectiveness, and the limits of liability. It must also contain an agreement or endorsement that states that the insurance provided is in compliance with the coverage specified as to bodily injury or death, as well as property damage.

The wording in a motor vehicle policy can be confusing for the average person, and Duncanville law firms typically suggest that individuals read an example policy to comprehend the terms. One of the most common confusions is the definition of "motor vehicle". The phrase is found in a number of statutes that govern the registration of vehicles and financial accountability laws.

Some examples of coverage provided under the tulia motor vehicle accident lawyer vehicle policy are commercial auto insurance for vehicles that are used for commercial establishments, business jobs, or other activities carried on for profit; automobile liability insurance which includes MP and PIP; and underinsured and uninsured motorist coverage (UM/UIM). Many states require drivers to have this type of insurance.

Permissible Use

It is essential to understand 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 referred to as permissive use. The specifics of your insurance policy may vary, but most large automobile insurers provide this kind of coverage.

However, it is crucial to note that a person driving your car must have your permission to be held liable for any damages. Permission can be given in writing or implied, and typically does not need to be recorded.

To determine if there is implied consent, courts consider the relationship between the parties, their past conduct and use of the vehicle as well as the circumstances surrounding a specific driving incident. A judge will also consider whether there were any restrictions placed on the scope of permissive usage and if even minor deviations from the time, location and usage restrictions of the permission would be in violation of these limitations.

Be aware that adding an additional driver to your auto insurance policy will likely increase the cost of your insurance, since the vehicle becomes more risky to insure. Therefore, it is important to think about your options carefully before lending your car to others. Contact Jerry for a no-cost insurance quote and to discuss your policy terms.