Crowe wrote:
Better re-read my question, that says nothing about an RV being overweight.
See below.
but must have acted in a way that showed a disregard for the foreseeable consequences of the actions
Spelled out in the definition of Reckless Endangerment. They can't possibly put each and every scenario into the law. It's also not always the black and white of the words that's at issue, but the interpretation of said words. And there's always tort law, as mentioned above.
This train has jumped the track. Back to the OP's original question. Even if you are charged and convicted of Reckless Endangerment, the insurance company still has to pay. Just like the drunk driver mentioned in an earlier post. I have been in the commercial transportation safety/risk management industry for 37 years, handled hundreds and hundreds of accidents/lawsuits, had drivers charged and went to jail, not one single time did the insurance company try to get out of paying the claim. Yes, your insurance will likely be cancelled or at least double/triple in price but they have to pay.