Startling insurance info

mlts22 wrote:
Flames aside, this is a good point to keep in mind:

#1: My insurance company knows the make, model, year, and configuration of the vehicle I drive.

#2: My insurance company knows the exact GVWR, dry weight, and other specs of my RV.

#3: My insurance company knows my weight.

Putting two and two together, if there is a wreck, my insurance company wouldn't even have to bother with scales in order to find if my rig is overweight or not. They just look up vehicle weights on two charts, add my weight, perhaps add some for other items... and have a pretty accurate figure about loading or overloading.

Of course, things like airbags, 19.5" wheels, and other items help... but the weight rating numbers are not going to change, so even though a vehicle could handle 5000 pounds with modifications, if it says 2500 pounds on the sticker, that is what insurance will go by.

Good point,

Now if they had/have all this information and took your money for the coverage I would believe that they have just taken a step in accept and as such they are not going to be able to refuse coverage later after the fact. Are they going to refund all the money you have already paid. I think taken your money and then refusing you coverage would be a very good thing for an ambulance chaser lawyer would love to get his hands on. There is a duty of a person taking money for a service to do that service.

If they were going to refuse coverage why aren't they refusing to do it to a drunk that gets in an accident. They most likely refuse to carry insurance on this person afterwards but I think they have an obligation to cover what was agreed upon in the policy.

Now after that is all said I don't have to worry about this issue as I'm almost 2000# under my GVWR.