Forum Discussion
wnjj
Aug 26, 2021Explorer II
From one of the comments below the article, to which the author responded that he’d talk with his friend:
Tony, with all due respect, as a licensed adjuster for over 30 years I can assure you that there’s no exclusion contained in the standard ISO personal auto policy that excludes coverage for overloading a vehicle. That’s a popular misconception I often read in online RV forums, Facebook groups, etc. First-party claims are not excluded by the policy language, and in the event that the driver causes damage to someone else, in fact that’s what the third-party liability coverage is intended to do: defend and indemnify an insured for their negligent acts or omissions, which would include negligently overloading a vehicle.
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