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motor vehicle accident lawsuit riverside for motor vehicles vary from state to state. In general, laws assume that the vehicle was used with the consent of the owner. The mortality rates are affected by laws that increase penalties that make revocation automatic or target social hosts. Mandatory education, alcohol treatment and interlock devices all have minimal effects. Legal Definitions State laws govern motor vehicle legal terms. The federal definitions for national fuel economy standards and licensing standards for commercial vehicle drivers are mostly administrative and do not apply to states that decide their own registration classifications. These vehicle registration classifications determine if a driver needs to get a license specific to operate certain kinds of vehicles. These state laws define the terms “automobile,” “light truck” and many others. For example the definition of light truck includes any motor vehicle with the capacity of the manufacturer's rated carrying capacity of less than 7,500 pounds. This excludes panel delivery vehicles and pickup trucks. Also, it does not include any combination of vehicles that is specifically designed to carry passengers or property within its own structure, like trailers and manufactured homes. A wheel chair is a device equipped with wheels, used primarily by people who have physical disabilities that make them are unable to move around as pedestrians. A moped is a vehicle with not more than three wheels on the ground and that can travel at maximum speed of 35 miles per hour. A pedicab is a motorized vehicle that is propelled by an operator sitting on it. Someone who holds the legal title to a vehicle is called the owner of the vehicle. Traffic Laws Each state has its own set of motor vehicle laws which cover everything from registration procedure to insurance requirements. These laws also address the types of vehicles covered by law. Some of these laws are the same across states, but other laws differ significantly. For instance, there are laws that limit the number of people that can be transported in the pedicab. There are also laws that ban reckless driving on certain types of roadways, such as parking lots. If you do not follow the law, you could be penalized and fined. Penalties could include being unable to drive or having your license suspended, or the requirement to attend traffic school. The law governing speed limits on roads is one of the most important laws that states have. 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 includes every description of a carriage or device that is driven by mechanical force and utilized on a public road for the transportation of people or property, or for any other commercial use. The law excludes trailers coaches and semitrailers, all-terrain and snowmobile vehicles as well as motorized mobility assist devices operated by people with disabilities as well as self-propelled corn and hay harvesting machines. Insurance A motor insurance policy for vehicles is an agreement between the insurer and insured that protects against financial loss due to liability for bodily injury or death, property damage to a third-party arising from ownership, operation, maintenance or the use of a covered automobile. It can also cover physical damage to the vehicle. It must state the address and name of the insured named the policy, the coverage provided by the policy, as well as the premium that is charged, the period of its effectiveness, and the limits of liability. It should also include an agreement or endorsement that the insurance coverage is provided in accordance with the coverage stated therein as respects bodily injury, property damage, and is subject to the requirements of this chapter. The wording in a motor vehicle policy can be confusing to anyone, and Duncanville law firms typically recommend that individuals review the sample policy to be aware of the terms. One of the most frequently encountered areas of confusion is the definition of “motor vehicle.” The phrase appears frequently in statutes governing registration of vehicles as well as financial responsibility laws. Some examples of coverage provided under the motor vehicle policy are commercial auto insurance that covers vehicles used for commercial establishments, business occupations, or activities which are carried out for profit auto liability insurance that covers MP and PIP; and underinsured and uninsured motorist coverage (UM/UIM). A majority of states require drivers to have this kind of insurance. Permissive Use If you are not the named insured or family member drives your vehicle and gets involved in an accident, it's crucial to know the insurance coverage that is available in these scenarios. This is known as permissive usage. The specifics of your insurance policy might vary, but most large car insurers offer this type coverage. It is important to keep in mind that you are responsible for any damages caused by a driver who has your permission. Permission may be granted in the form of a written statement or implied, and typically does not need to be written down. In determining whether there is implied permission, courts consider the relationship between the parties; their prior behavior and use of the vehicle, as well as the circumstances surrounding the particular driving event. A court will also consider whether there were any restrictions placed on the scope of permissive use. It will also consider if a minor deviation from the time, place, and usage restrictions of the original permission would be in violation of these restrictions. Be aware that adding an additional driver to your auto insurance policy is likely to increase your premium, because the vehicle becomes more risky to insure. It is therefore essential to think about your options carefully before lending your vehicle out to other people. Contact Jerry for a free insurance quote and discuss your policy terms.