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

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.

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

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.

Not that it would be right, but wouldn't the long bed have less capacity?

I know the article states short bed, but that bent truck is a long bed

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.

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

Read the last section of the following link:

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

The above review is based on Eagle Cap’s 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.