But isn't that coverage predicated on certain information provided at the point the policy is written?
I don't recall being asked what my max loaded weight was when I got the policy. I think the insurance company would need to prove misrepresentation or negligence or something.
GVWR is not a legal stipulation period for non-commercial users.... at least that I've been able to find. I seems to be more of a warranty and liability number for manufacturers.
And... just think about it for a moment. Weight can be an important factor for safety, but there are others that are more important. Like how high that weight is and the CG in relation to the axles, and the quality of the suspension and tires, etc. Tall but lightweight vehicles are a bigger hazard than tall heavy ones when you have 50mph wind gusts. Big trucks and RVs are a huge hazard period; you'd have to really exceed normal levels before your pickup+camper's stopping and handling ability was that poor. Not to mention the poor stopping and handling ability of your average vehicle pulling a big trailer.
Another thing occurred to me. It's often brought up that modifications cannot change your "legal GVWR" (ie the sticker)... but in truth
as soon as you make any modifications the GVWR sticker is null and void. You've changed it from the original specs, and could just as easily make things worse rather than better. Certainly common modifications like a lift and bigger tires have a detrimental effect on braking and handling. Definitely true for removing swaybars!