CaptRedbeard
Jet Boat Junkie
- Messages
- 183
- Reaction score
- 255
- Points
- 132
- Location
- Omaha, NE
- Boat Make
- Yamaha
- Year
- 2016
- Boat Model
- AR
- Boat Length
- 24
Still waiting for someone to show me an example of this. IMO, telling someone this is fearmongering at least, and an outright lie a worst.
It's just internet lore people keep repeating. Someone knew someone, that heard it happen to someone somewhere one time.
Well, I guess I have to stand (semi) corrected on this. I did some additional reading and apparently it varies from policy to policy and there are stories of over-capacity tow vehicles in accidents both being covered and also being denied coverage. Depends on many factors including policy verbiage and adjusters mood that day apparently. It’s definitely not cut and dry like I stated earlier, though.
That said, I did find this insight from an ex-salesman from State Farm.
Knowing that, along with the myriad other ways it could damage your vehicle and/or injure other people, I don’t think anyone should want to put themselves in that position. I’m not sure that it’s the best look for you two to seemingly choose to side with someone who is knowingly towing over their vehicle’s capacity and putting others at risk. My two cents.I use to sell insurance for State Farm. We had a insured that had an accident while towing. The truck was overloaded beyond the stated capacity. The trail lawyer for the injured party was able thru research and interviews. Establish that our insured both knowingly and willfully exceeded his trucks capacity. Long story short. State Farm denied his claim. I'm not saying they were right for doing that but they had just cause presented to them during the trial.
One thing I have learned in my many professions. How will it sound when you have to explain yourself in court or on an accident report. Will it sound better to say i had taken every precaution or that i cut a few corners. That has thus far kept me out of trouble.
Last edited: