Notices

Will Insurance Cover This?

Old 01-02-2023, 11:04 PM
  #1  
Registered
Thread Starter
 
Join Date: Oct 2020
Posts: 198
Received 118 Likes on 61 Posts
Default Will Insurance Cover This?

Read all the time on here about pulling an overloaded trailer and how insurance will not cover if you cause an accident. I have a friend who is an insurance adjuster and would tell me stories and then wrap them up with insurance covers stupid. Well here is a story of a truck that was overloaded and the frame broke in half. Ram of course. The owner expected Ram to cover it, they denied the claim stating vehicle overloaded. Now the guy is filing an insurance claim. Will insurance cover it? What is difference from overloaded trailer. Sounds stupid to me, but that's what insurance covers apparently. Just wondering the thoughts of everyone. I don't know what the outcome will be or if we will ever find out. Kinda just wanted to post something to show these pics.



​​​​​​https://www.msn.com/en-us/autos/auto...fe0fc3#image=1
zfrilly is offline  
Old 01-03-2023, 10:18 AM
  #2  
Registered
iTrader: (2)
 
Join Date: Aug 2010
Location: Cape Coral FL
Posts: 1,923
Received 265 Likes on 158 Posts
Default

Those large truck campers weigh around 5000#. That is a lot of weight to put in the bed of a pickup. I am surprised there was enough weight on the front end to steer. I suspect there will be a long fight between the owner, Ram, insurance and the camper manufacturer.
snapmorgan is offline  
Old 01-03-2023, 10:22 AM
  #3  
Forum Regulator
VIP Member
iTrader: (1)
 
Sydwayz's Avatar
 
Join Date: May 2001
Location: Worldwide
Posts: 23,613
Received 902 Likes on 391 Posts
Default

I've talked about this in the past. Cargo and towing and GCWRs that are posted are ALWAYS the lightest, simplest, empty trucks.



Last edited by Sydwayz; 01-03-2023 at 02:11 PM. Reason: Mistake in my content
Sydwayz is offline  
The following users liked this post:
Wildman_grafix (01-03-2023)
Old 01-03-2023, 11:41 AM
  #4  
Registered
 
Join Date: Jun 2007
Location: Merritt Island, FL
Posts: 6,057
Received 868 Likes on 501 Posts
Default

Originally Posted by Sydwayz View Post
I've talked about this in the past. Cargo and towing and GCWRs that are posted are ALWAYS the lightest, simplest, empty trucks.
Then you get the above truck and load it with a camper should at the very least be in an 8' bed, and you turn the rear axle of the truck into the fulcrum of a teeter-totter; with two fat kids on either end. Eventually the teeter-totter is going to break.
That is what always gets me with ratings on half ton trucks, people thing the max towing is what all of them can do. If you dig into I think it was Ford I was looking at that even said with a 150 LB driver, and again 2WD, XL level trim etc.

On this one why the heck you would have done a short bed doesn't make any sense, that thing had to be a hand full driving.
Wildman_grafix is offline  
The following users liked this post:
Sydwayz (01-03-2023)
Old 01-03-2023, 12:20 PM
  #5  
Registered
 
Join Date: Oct 2012
Posts: 1,908
Received 314 Likes on 187 Posts
Default

Not that it would be right, but wouldn't the long bed have less capacity?
underpsi68 is offline  
Old 01-03-2023, 12:40 PM
  #6  
Registered
iTrader: (5)
 
Join Date: Jul 2009
Location: Taunton Ma
Posts: 8,480
Received 635 Likes on 313 Posts
Default

Originally Posted by Wildman_grafix View Post
That is what always gets me with ratings on half ton trucks, people thing the max towing is what all of them can do. If you dig into I think it was Ford I was looking at that even said with a 150 LB driver, and again 2WD, XL level trim etc.

On this one why the heck you would have done a short bed doesn't make any sense, that thing had to be a hand full driving.
I know the article states short bed, but that bent truck is a long bed
Unlimited jd is offline  
Old 01-03-2023, 01:49 PM
  #7  
Registered
 
Join Date: Jul 2009
Location: USA, PA
Posts: 677
Received 245 Likes on 142 Posts
Default

I thought the purpose of insurance was to cover stupidity? Unfortunately.
If you run a red light (hopefully by accident, or ideally not at all), that's kinda the same thing as accidentally overloading the vehicle.

If your intention was to defraud the insurance company for a new truck, then that would be 1. not covered 2. illegal.
if you did at least SOME research and bought the truck, and camper thing, and a company installed them, or you did, to the best of your knowledge, and this occurred, I would expect insurance to cover it.

Generally Insurance, (from what I've read of my policy) wouldn't cover things that are illegal. Was putting that camper on the truck illegal or just misinformed consumer?

I'm going to side with the consumer on this one. I'd fault the company that put the camper on the truck. They should know better, and their insurance should be covering it.

SabrToothSqrl is offline  
Old 01-03-2023, 02:51 PM
  #8  
Were doomed!
Charter Member
iTrader: (1)
 
Wally's Avatar
 
Join Date: Oct 2000
Location: Chicago, IL
Posts: 6,328
Received 564 Likes on 290 Posts
Default

Lawyers will also include the installing dealer in the lawsuit (assuming the camper mfg didn't install it) its gonna get ugly fast! depending on how good the customer is with the Ins company, they may just settle with him and go after everyone else to get their money back
__________________
-Wally

Money can't buy happiness, but it can buy horsepower. And I've never seen a sad person hauling a$$!
Wally is online now  
Old 01-03-2023, 03:36 PM
  #9  
VIP Member
VIP Member
 
TomZ's Avatar
 
Join Date: Feb 2001
Location: Virginia Beach, VA
Posts: 3,582
Received 981 Likes on 548 Posts
Default

Read the last section of the following link:

https://www.truckcampermagazine.com/...p-1200-review/

The above review is based on Eagle Capís largest model.

A 4500-series may have been a better bet but then again we do not know which model this one is exactly.

My thought is that the seller of the camper is at fault.
TomZ is offline  
The following users liked this post:
SB (01-03-2023)
Old 01-03-2023, 04:06 PM
  #10  
SB
Registered
iTrader: (1)
 
Join Date: Nov 2004
Location: On A Dirt Floor
Posts: 13,019
Received 2,584 Likes on 1,144 Posts
Default

Originally Posted by TomZ View Post
Read the last section of the following link:

https://www.truckcampermagazine.com/...p-1200-review/

The above review is based on Eagle Capís largest model.

A 4500-series may have been a better bet but then again we do not know which model this one is exactly.

My thought is that the seller of the camper is at fault.
That things huge. Wow.

About 2/3rds way down the article gets into weight. And there is a lot of it.
SB is online now  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell or Share My Personal Information

Copyright © 2023 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.