This guy is crazy?
Elder User
Joined: Jan 2003
Posts: 898
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Originally Posted by MustangGT221
If you overloaded your vehicle and were involved in an accident...they would deem you at fault and if you don't have collision insurance than they would not cover you. Your rates would also go up. Same thing if you have an illegally lifted vehicle.
Why do they cover drunk drivers that are in accidents if they are not going to cover me?
What insurance company did you ask about this?
AAA does cover up to the limits of the policy.
New User
Joined: Jun 2006
Posts: 6
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Well, that was somewhere around 1992. I think that's when we had all the rain and mudslides out here. I chalked it up to live and learn. Part of life seems to be about whether or not you survive your fall out of the "Stupid Tree".
Post Fiend
Joined: Nov 2001
Posts: 14,947
Likes: 6
From: Topsfield, MA
Originally Posted by Leader
So.... If I do have collision insurance they will cover me? And my rates will NOT go up?
I have insurance in MA, which is a little different than other states...and I am by no means an insurance expert....
The main point I was getting at is DON'T OVERLOAD YOUR TRUCK.
Elder User
Joined: Jan 2003
Posts: 898
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Insurance companies are required by law to cover you up to the policy limits. In ALL states. Overloaded or drunk doesn't matter, you're covered.
To date, I have NEVER been able to find a single case where someone was sued for being over the GVW set by any auto manufacturer. With all the trucks out there that run over the GVW it should have happened at least once.
To date, I have NEVER been able to find a single case where someone was sued for being over the GVW set by any auto manufacturer. With all the trucks out there that run over the GVW it should have happened at least once.
Post Fiend
Joined: Mar 2002
Posts: 19,402
Likes: 38
From: Bonita Springs FL
Originally Posted by Leader
Insurance companies are required by law to cover you up to the policy limits. In ALL states. Overloaded or drunk doesn't matter, you're covered.
Hang on while I find the article.
Couldn't find it. There was a thread here a couple months ago about a guy who was overloaded. He caused an accident and killed someone. His insurance company won't pay for anything, he lost a civil suit for a couple million, oh and he stood trial for manslaughter. I don't know the verdict.
Last edited by andym; Aug 10, 2006 at 02:12 PM.
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