There is one bit of nonsense (so far) in that article, something I've heard multiple people repeat with no data to back it up. Mostly comes from the RV/travel trailer groups that are trying to be scary weight police.
100% false. Insurance is literally to CYA when you're negligent. To say that your insurance would be invalidated due to exceeding GVWR is absolutely false, at least when it comes to non-commercial insurance. I don't claim to know anything about commercial insurance, but that doesn't apply here anyway. Still, if nobody were negligent then probably 95% of accidents wouldn't happen, the other 5% would be due to mechanical failure or something similar.
Run a stop sign? Negligent and insurance pays out.
Crash while speeding? Negligent and insurance pays out.
Rear-end while texting? Negligent and insurance pays out.
Other than that little bit of misinformation, I generally agree with what they are suggesting.
I'm gonna have to politely disagree with you here, Drax. And this is coming from a guy who is a skeptic:
Yes insurance is there to CYA. It's also there to cover you if the other person isnt insured.
Yes, if there is a crash and the other person says your lights blinded them, if the crash is serious enough, the investigators will check your lights. If your lights are beyond a certain lumens, if they are mis-aimed, if they even have a blue hue (color of police lights in this state), more or all of the responsibility for that accident will be shifted onto you. Your insurance goes up and that's for 6 years.
Yes, if your tires stick out beyond the fender flare by more than 2 inches, and kick up a rock into a car windshield, causing that driver to panic and swerve, causing a tractor trailer to jackknife or flip...IF someone an prove that (GoPro maybe), then responsibility shifts to you. Seafood laden tractor trailers can be carrying half a million bucks worth of catch...
In every accident, the other driver's insurance company is the enemy. They are going to try to pin liability on anyone else. By all means, make yourself an easy target, if you like.
Yes, in my state at least, if you have a snowplow on the front of your truck, but you did not add the appropriate liability insurance for it, good luck in court even if someone else crosses the yellow and hits you head on. They caused the accident, but your extra unregulated and uninsured equipment caused more damage than due, or maybe caused an injury or fatality that wouldnt have happened if the plow wasnt there. If it's all registered and insured, at least then you have the right to drive with it and then it may not be a negligence or wrongful death criminal charge on top of the civil suit that is definitely forthcoming.
If that goes for a snowplow (and I KNOW it does) then I have no doubt it could be used against you if you have a steel bumper that's not set up properly and air-bag compliant.
West lives in Montana, as does my nephew. I've visited there -driving the whole way. Some very beautiful but savage land. Few places in the USA compare. Maybe Alaska and Colorado, couple more? I hate over regulation, but seems to me what he is saying here makes a certain amount of sense.