I wouldn't worry about it----you won't even know its back there. And thats a fact from one that has don it. As far as the legal end: My Aunt and Uncle were hurt real bad by a car that came off of a tow bar, crossed the medium, and hit them head on. They got a small settlement from the insurance Co but it had nothing to do with towing capacity.......that was never mentioned. I don't know how some of you ever get to do anything as you worry to much about lawyers, petty regulations, having a flat, dog ran across the road, boat won't float, etc to much.....Take a chance on life---you only go through it once!