Towing capacity vs max cargo weight rating

The entire insurance industry is based on "What if's"

The insurance industry is based on probabilities and statistics analyzed by an actuary. I don't think I'd describe it as "what ifs"



more weight = more momentum = longer stopping distances and more outward centrifugal forces during cornering. Factor in the million variants like weather, tires, number of axels, brake type and surfaces, is the trailer open or is it like a giant sail in the wind, etc. This is why the "official" numbers are conservative. Has anyone here ever been cited for being overloaded? Loaded dangerously? My guess is that this never comes up until there's an accident or mishap, then the insurance company will use the published numbers to direct the claims.