Towing 3,000+ lbs - Actual experience input requested

[Brian_B]

They would also have to measure the trailer weight at the time of the accident. Most places are just concerned with getting you off the road. If they don't get the weight at the time, well... unless it's a gross and blatantly obvious situation, for all they know the trailer was empty and you were well within the weight limitations.

But for those gross and blatantly obvious situations, insurance sure as heck will deny you. They will either call it Negligence since you didn't observe weight limits, or claim you were acting Commercially since you were hauling something. And damage to whatever you were towing, unless you have a specific rider covering it, will flat out be rejected (Lots of travel trailer owners find this out the hard way).

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[cbrenthus]

They would also have to measure the trailer weight at the time of the accident.

I was told by a trailer dealership, so you can take it with a grain of salt as it is hearsay, that legally they go by the GVWR of the trailer and not the actual weight. Which actually makes sense to me.

But, once again, after searching the net, I can't find any instance of a first person story of anybody getting into trouble for towing over the limit. Not saying it can't happen, and I wouldn't do it, but I really though I'd find a lot of cases.