Insurance Coverage facts wanted:
Just to be clear outta the gate, I by no means want this to turn into a flame fest over truck type, add-ons, SRW vs DRW. There are enough of those on here over the years and zero good or agreement comes from them. This is a query for facts only from anyone that's asked.
The question I have is:
Has anyone, that carries a TC, asked there insurer if they carry a load in excess of what is stated on there vehicles official sticker and are involve in an accident, either being found 100% at fault for causing said accident, being 100% not at fault, or found to be anywhere between those two points. Could they be denied coverage, either completely or partially for repairs or replacement of their truck and/or TC OR in the case of fault, denied coverage pertaining to law suits, etc. against them from injured parties/victims, etc.
I have an opinion on what the answer is, so please, with respect, I don't need another.
I'd be happy to hear from current/former insurance agents that have first hand knowledge as well as lawyers on here who are/have their area of practice in this particular area of law.
Also welcome would be anyone with FIRST HAND accident involvement. What degree of fault were you or not, found? (Zero judgement, none of us where in your seat). What was the out come coverage wise? Did your over the spec load come up at all? Did no one mention it? Did your insurer vacuum up every particle, weight it and tell you to GFYs? As much detail as you feel comfortable sharing, please.
With all the above, the fact of State/Province/Country etc. must be accounted for, of course. So maybe mention that in reply's, if you would.
I realize there are strong opinions on truck capabilities and the miracle or delusion of mod's. But there's been enough foot stomping, incomplete thinking and poor physics lessons to last a life time on here.
If you choose to chime in with that stuff here, fine. Free world. But I'd like this to just be about the specifics I've mentioned. I'm simply interested as in the previous exchanges on capacity carrying, actual liability doesn't seem to get much more then a passing peep. And to me, this is a pretty big factor in the choice of what to haul with what.
Thanks in advance.
Bert
The question I have is:
Has anyone, that carries a TC, asked there insurer if they carry a load in excess of what is stated on there vehicles official sticker and are involve in an accident, either being found 100% at fault for causing said accident, being 100% not at fault, or found to be anywhere between those two points. Could they be denied coverage, either completely or partially for repairs or replacement of their truck and/or TC OR in the case of fault, denied coverage pertaining to law suits, etc. against them from injured parties/victims, etc.
I have an opinion on what the answer is, so please, with respect, I don't need another.
I'd be happy to hear from current/former insurance agents that have first hand knowledge as well as lawyers on here who are/have their area of practice in this particular area of law.
Also welcome would be anyone with FIRST HAND accident involvement. What degree of fault were you or not, found? (Zero judgement, none of us where in your seat). What was the out come coverage wise? Did your over the spec load come up at all? Did no one mention it? Did your insurer vacuum up every particle, weight it and tell you to GFYs? As much detail as you feel comfortable sharing, please.
With all the above, the fact of State/Province/Country etc. must be accounted for, of course. So maybe mention that in reply's, if you would.
I realize there are strong opinions on truck capabilities and the miracle or delusion of mod's. But there's been enough foot stomping, incomplete thinking and poor physics lessons to last a life time on here.
If you choose to chime in with that stuff here, fine. Free world. But I'd like this to just be about the specifics I've mentioned. I'm simply interested as in the previous exchanges on capacity carrying, actual liability doesn't seem to get much more then a passing peep. And to me, this is a pretty big factor in the choice of what to haul with what.
Thanks in advance.
Bert
