Startling insurance info

I went to the stickey for insurance info and asked all of the questions to my Farmers agent. I have split coverage on the slide in from the truck. I then asked if I was covered if my rig was involved in an accident and was over the gross manufactures weight maximum. I would be covered under the liability section for damages to mine or the other vehicle. However, it would be up to the insurance adjuster if my vehicle and camper would be covered because it was found to be over weight due to owner negligence with or without comp and collision. The agent was pretty adamant that I would not be covered due to my vehicle being over gross weight. It was then mentioned that I could be liable to a civil prosecution from the injured party due to my negligence.
This is a confusing issue and each insurance company may have different stipulations based upon individual coverage. There is a reason why airplanes are not flown out of c of g and over gross weight. I only post this to bring to your attention the need to ensure that you will be covered under these circumstances. Hope this helps.