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ctilsie242's avatar
ctilsie242
Explorer II
Feb 21, 2017

How big an issue is weight?

Maybe I'm a stickler for weight, but given four facts:

1: The insurance company knows my make/model/year of TT.
2: The make/model has the dry/wet weight easily cross referenced.
3: The insurance company knows my make/model/year of TV.
4: That can be cross referenced with tow capacity.

If a wreck does happen, it wouldn't be tough for the insco to show that the TV was overloaded, come claim time, and refuse to pay, citing negligence? Is this a realistic scenario, or should I put away the tinfoil?
Seeking Advice

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  • goducks10's avatar
    goducks10
    Explorer
    Feb 21, 2017
    Sounds like you need a bigger truck.
    Honestly unless you bought a TT or 5th wheel that weighs more empty by a good margin than what you truck or SUV can tow then there's no way you ins company can tell if you were overweight. And quite frankly I doubt they even care. I can't imagine how many contractor outfits have personnel towing and or hauling way over a trucks rating.
  • ScottG's avatar
    ScottG
    Nomad
    Feb 21, 2017
    The ins. company is not paying any attention to your combination and it's not their job to do so.
    It is entirely our responsibility to make safe decisions.
    Is your scenario realistic? An ins co will do anything to get out of a huge claim so I wound't take any chances.

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