volwing1 wrote:
Money and morality. Drive a rig that is overloaded according to the manufacturer...have an accident and discover what your insurance adjuster will do. It is his job to determine if your policy was abided with before he approves any payout. They are trained to look at any means of not paying...including your using your vehicle in a manner specifically forbidden by the manufacturer. We're not talking about speeding but about rigging or using your vehicle to perform an illegal task. I'm not worried about a citation from some officer. But I would be very worried about eternal lawsuits with nobody in my corner.
Hi volwing1,
Since you're a new member, maybe you can shed some light on this subject. The question of whether an insurance policy would pay in the event of a pickup towing a camper that exceeds the manufacturer's specs has been asked about a gazillion times. So far, nobody has been able to produce any evidence saying they would not pay. Since you speak with an air of authority, maybe you can finally provide some concrete evidence.
Another question that often follows: If an insurance company will pay following an accident caused by a drunk driver (which is an activity that is, without question, illegal), why would they not pay following an accident that was caused by an activity that is not illegal?
You also mention the "mythical" lawsuits to follow. Do you have some personal experiences that you can share? Many have come before you with the "friend of a friend" stories, but I have yet to hear anybody say first hand that they lost all their earthly possessions to lawsuits.
Thanks for your thoughts on the matter.
