quote:
Originally posted by GeeBee
Insurance will not be denied for being over the tow limits. I have yet to see any private vehicle policy with such exclusion.
Thanks. I was going to bring this up. The 'ol myth of "If you do (fill in the blank)
wrong, insurance will be denied".
My old roommate back in my single days in the late 80s was an insurance guy. He said that is a common myth that insurance will be denied if you do "X". (drive an uninspected vehicle, drive overweight, drive with bald tires, etc.)
You might get a ticket or fine for those infractions, but that has nothing to do with whether insurance pays.
Will insurance be denied if you get in an accident for speeding, or failure to pay full attention? No, insurance will not be denied, but you might get a ticket. And sure, someone could get injured, and you could have a claim made against you for causing the accident. But, that is the case whether that accident is because of having an overweight load, or because you were speeding or driving distracted and not paying attention. People have traffic injury claims made against them all the time, no matter what the cause (speeding, you drifted in to their lane, you were distracted, etc.)
Insurance pays because of stupid human tricks.
Other than a tree randomly falling across the road onto a car or something like that, can anyone think of any case where a car accident happened that was not because of human error? Other than the tree falling across the road type thing, ALL accidents are because of human errors. If insurance companies could use the human error/stupidity excuse to not pay, then 99.9%+ claims would be denied.