Payload & Truck Weight Calculator
10-06-2013, 09:34 AM
#11
Y'all don't have any idea what you are talking about.
Yes, criminal charges can be filed ( but rarely are), but that has nothing to do with your insurance.
An insurance company cannot deny a claim due to "gross negligence".
An insurance policy is a contract and is binding on both parties. The only way to deny coverage is if the Policy Conditions or Exclusions clearly state so, and in NO state is such a policy legal, as all policy provisions must be state approved, as it would not be in the public interest.
If you don't know this, then you should keep mum on the subject. I am a retired casualty insurance Regional Manager, and know of what I speak.
Coverage can be denied for an "Intentional Act" but the scenarios discussed above don't even come close to that. It is extremely rare for coverage to be denied for an intentional act, as the standard for that is quite high and specific. It almost never happens.
Bottom line is, if you have a policy and have paid your premiums, you will have coverage for an accident regardless of how heavy a trailer is etc. Your current policy may well be not renewed at the end of the policy period of course.
I hope I'm not confusing some of you with the FACTS !
Yes, criminal charges can be filed ( but rarely are), but that has nothing to do with your insurance.
An insurance company cannot deny a claim due to "gross negligence".
An insurance policy is a contract and is binding on both parties. The only way to deny coverage is if the Policy Conditions or Exclusions clearly state so, and in NO state is such a policy legal, as all policy provisions must be state approved, as it would not be in the public interest.
If you don't know this, then you should keep mum on the subject. I am a retired casualty insurance Regional Manager, and know of what I speak.
Coverage can be denied for an "Intentional Act" but the scenarios discussed above don't even come close to that. It is extremely rare for coverage to be denied for an intentional act, as the standard for that is quite high and specific. It almost never happens.
Bottom line is, if you have a policy and have paid your premiums, you will have coverage for an accident regardless of how heavy a trailer is etc. Your current policy may well be not renewed at the end of the policy period of course.
I hope I'm not confusing some of you with the FACTS !
10-06-2013, 05:39 PM
#12
10-07-2013, 08:03 AM
#13
Make no mistake. Being overloaded opens you up to criminal negligence if something happens. Plus insurance only covers damages up to the limits stated on the policy. If you cheap out on coverage you get left with the remainder of damages and it can be significant. It is quite a risk even with insurance covering you.
10-07-2013, 10:03 AM
#14
Senior Member
Make no mistake. Being overloaded opens you up to criminal negligence if something happens. Plus insurance only covers damages up to the limits stated on the policy. If you cheap out on coverage you get left with the remainder of damages and it can be significant. It is quite a risk even with insurance covering you.
10-07-2013, 10:54 AM
#15
Right but being overloaded with regard to what? The yellow sticker or the state's towing laws. Most states completely ignore the yellow sticker with regard to towing limits and instead have stupid high limits that it would be pretty difficult to exceed with a half ton truck.
10-07-2013, 11:02 AM
#16
Senior Member
I had a van once and registered for more than what the van was for. It was a cargo van and I got nailed. In Pennsylvania it is $2 per pound over the sticker on the vehicle, not the registration. But if you under register it, as long as your not above the registration then your okay. But the DOT officer will use the vehicle sticker upon weigh it.
08-07-2016, 10:45 PM
#18
paint sucks
I've been looking for a good way to calculate my vehicle and axle weights, but never really found one I liked. So, I made my own using Excel. I've made it available for download at the link below. The link takes you to the Excel Web App, but the spreadsheet is not editable. Download the spreadsheet using the DOWNLOAD button at the top of the spreadsheet to use it on your own PC.
The weights in the spreadsheet are for my 2013 F-150 XL EcoBoost with an 8' bed, and the payloads represent a typical trip out of town with my 30' travel trailer. The snow plow is not something I really have on the truck, I just entered it there to demonstrate how to specify locations for payload items that are in front of the front axle.
NOTE: it is not possible to predict the effects of a weight distribution hitch. The calculated axle weights do not account for the influence of a distribution hitch. To know how your distribution hitch is set up, you'll have to weigh your vehicle at a truck scale.
You can see that I'm legal on my axle weights and vehicle weight, but my combined vehicle weight is exceeding the maximum combined weight rating by about 5%.
This is a great tool to use for making sure you're legal and safe, and it works for any vehicle with two axles.
Get the calculator here.
The weights in the spreadsheet are for my 2013 F-150 XL EcoBoost with an 8' bed, and the payloads represent a typical trip out of town with my 30' travel trailer. The snow plow is not something I really have on the truck, I just entered it there to demonstrate how to specify locations for payload items that are in front of the front axle.
NOTE: it is not possible to predict the effects of a weight distribution hitch. The calculated axle weights do not account for the influence of a distribution hitch. To know how your distribution hitch is set up, you'll have to weigh your vehicle at a truck scale.
You can see that I'm legal on my axle weights and vehicle weight, but my combined vehicle weight is exceeding the maximum combined weight rating by about 5%.
This is a great tool to use for making sure you're legal and safe, and it works for any vehicle with two axles.
Get the calculator here.
