hemlock said:
That's why I said keep in mind the tires are "P" rated. They are not meant for heavy loads - thats kind of why they don't put them on 3/4 ton and 1 ton trucks.......
And its pretty easy to find 17" P rated tires for a Grand Caravan that are rated to support over 1874lbs each. That is WAY far more more than GVWR on "P" rated tires, so what is the need for load range E tires to haul a little firewood?
And yes - if you are running overloaded, your insurance has a very solid case for walking away from you depending on the circumstances. ... Insurance does not cover stupidity.
If insurance companies don't cover stupidity then what is the point of insurance? More than half of crashes are a result of stupidity. Do you believe they do not cover someone texting while driving, driving drunk, driving asleep, etc?
"...However, if the overweight problem contributed to the accident you could be found partially or totally responsible for the accident. This could result in an increase to your future premiums. If your vehicle's optional coverage has been purchased from a private insurer, you should check to find out the policies of that insurer in terms of coverage...."
In English - "If the accident is your fault, you can be found responsible for the "accident". (Being under/overweight doesn't change that.) If you are responsible for a crash you will probably pay more for insurance for several years. (Being under/overweight doesn't change that.) If you didn't buy comprehensive coverage and you are responsible for the accident, your insurer won't cover the damage to your vehicle. (Being under/overweight doesn't change that.)" Read your policy. Encourage others to do the same. Stop telling them their insurance provider will deny coverage when you have no knowledge of their insurance policy (and I suspect your own either).
you should not give the impression that running overweight with inadequate equipment is without consequence - it is, and it can potentially be severe.
Crashing? Maybe. Having a strut punch through their mount? Maybe. "P" tires failing within the load they are rated to carry? Nope. Not being covered by your insurance company? Nope.
If overweight is determined to be the cause of an accident, your carrier can discharge their responsibilities.
Please cite at least one non-commercial insurance policy that will not cover your liability if being overweight by less than a ton over your door sticker. You only have to find one and I'll happily learn and update all the threads I've ever posted on the subject to say Canadian insurance might not be valid if your are overweight. In the mean time, I stand by my position that you are spreading misinformation.