This isn't word for word but this what my Lawyer and retired Judge explained to me..
I quoted this from the link below....
One of the smartest things we did was speak to our attorney before making a purchase. He informed us that exceeding any of the weight ratings of the RV or the tow vehicle was nothing more than a negligence lawsuit waiting to happen. If it's proven that you exceeded the manufacturer's ratings in any way, it can easily be argued that constitutes negligence on your part in the event of an accident. That can lead to problems ranging from very large settlement amounts to even the possibility of your insurance company refusing to pay the claim due to the negligence on your part. Simply put, don't exceed these weights under any circumstances.
The best way to look at it is to take each and every maximum rating and make sure you are under every one of them. Especially after you are loaded, fueled and ready to get on the road. Often, the only way to do this is to load up your rig and head for the nearest truck stop with a scale. Weighing your rig and understanding the weights you get are key to a safe outcome.
http://www.everything-about-rving.com/rv-weight.htmlNote: The insurance claim in my state will be paid but the judge can rule for restitution where the insurance company gets repaid on the grounds of negligence on your part.