spoon059 wrote:
95jersey wrote:
we'll if you get into an accident and you are over your vehicle tow limits and someone dies/gets hurt, you are going to jail. Also your insurance company does not have to pay the claim. I am not supporting either position, just the legal facts that limit.
Got any links to support your claim?
Just to make sure we are on the same page here... you are saying that if you were driving drunk, your insurance would cover you, but if you were 20 lbs over your GVWR your insurance would NOT cover you?
Most insurance policies have clauses that allow for the company not to pay on claims if the damages were caused because of intentional actions on the part of the insured. If they can show that you knew or reasonably should have known that you were engaging in conduct that is, on it's face, illegal or negligent, then the liability lies entirely with you personally, and they have the legal option to not pay.
More importantly, if someone gets killed or severely hurt due to your negligence, you could face jail time as well. Think about if someone hits a person in accident and is drunk or was looking down at their phone, that person could easily face manslaughter charges. This happen to someone I know and they barely escaped jail time due to a legal process error. The same applies here.
