Interesting take on vehicle modification

[SFP]

I *think* winter tires are mandatory in Quebec as well. But not 100% sure.

Yes they are.

Out here they finally started ticketing people about five years back here on the island.

Always stuns me how some people out this way figure an AT/four season is the same as a actual snow tire. I can't count the number of times I have explained to folks out this way that people up north (fort Mac and north) and most in Alberta have a proper set for snow tires for their rigs.

Nothing like watching a full size pickup slide sideways through an intersection on a snow day on 40" AT tires.

 

[Todd780]

Yes they are.

Out here they finally started ticketing people about five years back here on the island.

Always stuns me how some people out this way figure an AT/four season is the same as a actual snow tire. I can't count the number of times I have explained to folks out this way that people up north (fort Mac and north) and most in Alberta have a proper set for snow tires for their rigs.

Nothing like watching a full size pickup slide sideways through an intersection on a snow day on 40" AT tires.

I live in Alberta and just run my Duratracs year round, haha

They can be studded too. Might be nice to have a studded set as a dedicated winter tire.

 

[DRAX]

I think in the US, the insurance company almost always pays out but... then they have to option to recover the money from the insured if there was a violation of the law or gross negligence etc. It's that way to make sure that the 3rd party is taken care of.

So, the way it works is kind of like that. This goes back to what I said about making sure you have sufficient limits/coverage to CYA. I'll use an example that I was personally involved in as this covers a number of scenarios in one incident.

Back in 2014 I was coming down a mountain road in SoCal with a group of other cars. Up ahead a bicyclist swerved into traffic and caused this line of about 10 cars to come to a sudden stop, I was last in that line and quickly came to a stop. A couple of seconds later I was rear-ended by someone going 45MPH, didn't even hit the brakes, which shoved me into the car in front of me. She claimed she was distracted, wouldn't say by what but chances are she was texting. Her car was basically brand new, didn't even have plates yet. We exchanged insurance info, tow truck came and towed our cars (hers and mine were both totaled, sadly). I tried to get in touch with her insurance company for 2 days and eventually I gave up, instead I filed with my own insurance company. In reality, this is often the best option if you know you have good coverage/limits because it will CYA more than if you file with someone else's insurance that is crap. Here's how it played out...

• I filed with my insurance (State Farm)
• State Farm's adjuster started the inspection process while the claims handler kept trying to get in touch with the other party's insurance
• My car was deemed a total loss, my insurance cut me a check for ACV minus my deductible.
• State Farm finally made contact with the other party's insurance and that is when State Farm discovered that she only carried the state minimum coverage which wouldn't cover my damages, let alone the damage to the vehicle I was pushed into. Had I only dealt with their insurance I wouldn't have been made whole by them and would have had to file another claim with my own insurance using the underinsured portion of my policy. To avoid this kind of mess I suggest people file with their own insurance and let them sort the whole thing out for you.
• State Farm then went after the driver and registered owner of the car that hit me to recover what their insurance didn't due to their low limits. This is the situation you don't want to end up in. I always tell people to get the highest limits they can to reduce their personal exposure to financial loss as the result of an accident.

In this case, it had nothing to do with the violation of any laws or gross negligence that allowed my insurance to go after the other people personally, simply them being at fault and having insufficient coverage opened that door as the people they caused damages to have a right to be made whole again.

 

[rruff]

I think in the US, the insurance company almost always pays out but... then they have to option to recover the money from the insured if there was a violation of the law or gross negligence etc. It's that way to make sure that the 3rd party is taken care of.

GVWR not is part of that though, because it isn't a law, and being over it is not negligent. Being unable to control your vehicle and causing an accident *is* negligent.

 

[Mickey Bitsko]

I can think of other words to describe 'negligent ', ignorant comes to mind.
Owner should be knowledgeable of his vehicles weights and capacities.

 

[Todd780]

I can think of other words to describe 'negligent ', ignorant comes to mind.
Owner should be knowledgeable of his vehicles weights and capacities.

And when in doubt about what weight and capacities you need to tow and hauls safely, just listen to what forum members tell you is 'adequate' like this guy did...

 

[Buddha.]

The author of that article is a regular on ranger5g.com
Very opinionated.
Post# 56.

Ranger compared to Subaru in snow

My 2013 VW Tiguan, even with it's touring tires still on it right now, does a million times better on road with snow and ice than my Ranger (Lariat Tremor). It's not even close. When I put the winter wheels and tires on the VW it'll be that much more of a gulf between them. I expected this. The...

www.ranger5g.com

 

[rruff]

I can think of other words to describe 'negligent ', ignorant comes to mind.
Owner should be knowledgeable of his vehicles weights and capacities.

A driver of anything needs to be well aware of their vehicle's abilities and operate within them. If you regularly exceed GVWR in a half-ton which is spec'd from the factory to ride and handle nice for unloaded commuter duty, then it would be prudent to make appropriate upgrades to the suspension and tires. But even if you didn't your rig would still stop and maneuver better than the 40ft land yachts... that a 90 year old with a regular drivers license can pilot with no training.

 

[Mickey Bitsko]

The negligence ticket should have an ignorance surcharge attached to it.

 

[ThePartyWagon]

I have the same exact conversations with customers when selling campers. I use Australia as my go-to example of a country who takes payload, GVWR and vehicle modification very seriously. I don't really care about the regulation arguments, either way, the author's main points still stand.

I literally just told customers, last week, that we would not sell them a flatbed/camper because they were going to be triple their Tacoma's payload. We were looking at losing a $70K sale because they did not want to consider a different truck and the husband refused to listen. But hey, what do I know, I just do this for a living. Inevitably, they came around and bought a 3/4 ton with triple the Tacoma's payload. The more knowledge I can bestow upon our customers, the better their experience will be in the long run.

 

[Todd780]

I have the same exact conversations with customers when selling campers. I use Australia as my go-to example of a country who takes payload, GVWR and vehicle modification very seriously. I don't really care about the regulation arguments, either way, the author's main points still stand.

I literally just told customers, last week, that we would not sell them a flatbed/camper because they were going to be triple their Tacoma's payload. We were looking at losing a $70K sale because they did not want to consider a different truck and the husband refused to listen. But hey, what do I know, I just do this for a living. Inevitably, they came around and bought a 3/4 ton with triple the Tacoma's payload. The more knowledge I can bestow upon our customers, the better their experience will be in the long run.

Yes, I was impressed with an RV Dealer last year.

I overheard the salesperson and manager telling a client the RV he was negotiating on wouldn't work because his truck wasn't sufficient to tow it.

 

[jadmt]

I am itching to do a modification..I think I will put a "If you don't like the way I drive get the hell off my lawn" on my John Deere.

 

[4x4tripping]

Yes, we all should try to stay more basic:

recap: Mods I wouldn`t do again for overlanding

After over 68350 miles of international overlanding (110`000km) with the rig showed above, done in the past 9 years it is definitively time for an analytic view. Which mod wouldnt we do again, which mod would we install on a newly buildup? From a Transafrica to journeys in Europe, Iceland, South...

expeditionportal.com

trippin

 

[XJLI]

The author of that article is a regular on ranger5.com
Very opinionated.
Post# 56.

Ranger compared to Subaru in snow

My 2013 VW Tiguan, even with it's touring tires still on it right now, does a million times better on road with snow and ice than my Ranger (Lariat Tremor). It's not even close. When I put the winter wheels and tires on the VW it'll be that much more of a gulf between them. I expected this. The...

www.ranger5g.com

yeesh. He definitely knows his stuff, but he also is pretty clearly the guy who spent $120,000 on his LC200 to just drive around Montana.

 

[billiebob]

Things are different in the US. There is nothing stopping someone from suing someone else for negligence or for someone being sued by "the people" for gross/criminal negligence and that is not something insurance would generally cover, but there has never been a documented case in the US, that I or anyone else has seen, where insurance refused to pay out due to the insured's negligence, whether it was speeding, drunk driving, texting, towing/hauling overweight, etc. People on RV forums claim all the time that if you're overweight and you cause an accident then your insurance won't cover the damages. That is simply false and not a single person has been able to produce proof of what they're claiming. If this ever happened you can be sure there would be first-hand accounts of it because the vast majority of recreational towers are overweight, knowingly or not. I've been involved in numerous forums over the years and have seen some wicked accidents where vehicles were clearly overweight. Nobody has ever said they got screwed and their insurance didn't pay out when they were at fault.

Insurance is literally coverage for negligence. Poor judgement is negligence. There are various degrees of negligence. Speeding when there are signs posted is negligence. "Poor judgement" isn't a legal definition. Shared fault, aka contributory negligence, can affect how much someone can recover from someone else for damages, but that doesn't mean someone's insurance won't kick in to cover what the other party's won't cover as long as you have the necessary coverage.

I know nothing about how insurance in Canada works but I've heard some not so great stories about people getting screwed. Here in the US there are different coverages available with auto insurance and the biggest issues are making sure you have sufficient coverage to CYA and also be made whole should someone else have no or insufficient coverage when they cause damage to your property.

Dashcams are becoming very important as well, can't count the number of times a dashcam has saved someone's bacon because the driver at fault lied about what happened and without the dashcam footage the damage may be plausible based on the other party's lies.

Anyhoo...

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see this is reason to put you on ignore, what you say is simply not true