Will Insurance Cover This?
#31
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Joined: Jun 2005
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If the truck held the load with say 1000lbs to spare, and the owner went over that rating, who is responsible? Unless it is in writing from someone/s, good luck proving who said what. Also, even if the load was in spec for the truck to handle, look how far back the weight was. The truck should have been scaled. I think you would see how little weight was on the front axle. Rear axle over loaded.
But looking at the specs a bit closer, the payload number for the 3500 isn’t the same truck. It is for a regular cab with a long bed, two-wheel drive, and a 6.4-liter V8 engine. The truck in question is a crew cab that features four-wheel drive and a 6.7-liter Cummins diesel engine. For that setup, Ram lists payload at 5,850 lbs.
And that is why the Ram warranty won’t cover the damage. The Eagle Cap 1165 camper weighs 4,900 lbs empty. Once gear, clothing, full fuel tanks, and more are crammed into it, not to mention the driver and a passenger, the total payload can easily exceed Ram’s 5,850 lbs rating. And the motorcycle hanging off of the back of the camper doesn’t help. Unfortunately, the owner has never had his loaded rig weighed.
#32
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Joined: Jun 2005
Posts: 11,904
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It had to feel like a pig going down the road.........glad to see nobody was hurt.
Insurance will cover stupid.........the bigger the claim it will be likely be declined as long as possible. In this case, they will buy the guy's truck/pay him off.
In the case of the guy pulling that huge overweight boat (for money) out near Havasu and he blew a light and killed some people............that case might not be paid out as quickly. But then again if he had a 100-200K policy they might just write the check, walk away as "paid in full" and let the plantiff's lawyer sort out who gets what.
Insurance will cover stupid.........the bigger the claim it will be likely be declined as long as possible. In this case, they will buy the guy's truck/pay him off.
In the case of the guy pulling that huge overweight boat (for money) out near Havasu and he blew a light and killed some people............that case might not be paid out as quickly. But then again if he had a 100-200K policy they might just write the check, walk away as "paid in full" and let the plantiff's lawyer sort out who gets what.
#33
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Joined: Oct 2010
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From: Cheboygan, MI
Just looking at the picture, all the weight on the rear tires and they are hardly bulging. I've loaded trucks so full that the tires fully inflated where almost flat. I did end up breaking a rear spring though. This is definitely a frame design issue unless modified, which I doubt. I used to work for an RV dealer and camper tops come with brackets that don't require drilling the frame.
#34
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Joined: Aug 2007
Posts: 1,422
Likes: 1,062
From: Orlando, FL
Just looking at the picture, all the weight on the rear tires and they are hardly bulging. I've loaded trucks so full that the tires fully inflated where almost flat. I did end up breaking a rear spring though. This is definitely a frame design issue unless modified, which I doubt. I used to work for an RV dealer and camper tops come with brackets that don't require drilling the frame.
#37
Just looking at the picture, all the weight on the rear tires and they are hardly bulging. I've loaded trucks so full that the tires fully inflated where almost flat. I did end up breaking a rear spring though. This is definitely a frame design issue unless modified, which I doubt. I used to work for an RV dealer and camper tops come with brackets that don't require drilling the frame.
#40
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Joined: Jun 2007
Posts: 7,328
Likes: 1,830
From: Merritt Island, FL
I was thinking about this thread the other day for some dam reason. I was wondering, overloaded or not wouldn't you had expected the springs, or axles to fail before the frame? Would love to see a FEA analyst on this and how the frame was the first to go.






