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Old 07-07-2016, 06:08 PM   #11
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ALL RV manufacturers advertise their so-called "half ton towable" units, not just FR.
Just like "minivan towable".

It's up to the consumer to research their purchase and not believe the marketing hype OR the dealer/salesman.
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Old 07-07-2016, 06:23 PM   #12
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Looking at the OP's other posts, it looks like it's a Palomino cab-over. Not half bad looking. It does look heavy though.
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Old 07-07-2016, 06:34 PM   #13
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payload problem

You need to get a better insurance company. What the agent is telling you is not correct talk to lawyer about it.
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Old 07-07-2016, 07:09 PM   #14
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Read exclusions in your policy or ask agent to show it to you. Like ependydad alluded to, it's probably not so.
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Old 07-07-2016, 08:19 PM   #15
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Very vague on the info for any kind of real help. We would all like to know the TV and model of the camper. I as well as a few others think it's a truck bed camper but we are not sure. Please help us out so we can help you.
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Old 07-07-2016, 09:51 PM   #16
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Payload capacity

I thought truck camper but now think pin weight.
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Old 07-21-2016, 11:18 AM   #17
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Quote:
Originally Posted by porkchopjack View Post
You need to get a better insurance company. What the agent is telling you is not correct talk to lawyer about it.
Im not the OP of this thread but will chime in.

I asked my insurer and broker the same question regarding payload and liability in the event of an accident.

The insurer can (and I have friend in the auto insurance industry who had this exact thing happen) and have denied claims because an individual "knowingly exceeded the payload capacity of their truck as determined my the manufacturer". Accident report and photos proved it.

2009 F150 (don't recall the trim level), ATV in the back, 29' TT, 2 kids, spouse, camping stuff. High wind blew the TT over and took the truck with it, a lady in a small car plowed into the roof of the truck, Killing the driver of the car. Ins Co denied the claim due to "negligence on the part of the truck owner". The family of the driver of the small car is in the process of suing the driver, the insurance broker, insurance Co, Ford, hitch manufacturer and the TT manufacturer for about 10million. This was 3-4 years ago and no idea if it was ever settled.

I traded my F150 (1050lb payload) for a Ram 2500 (2075lb payoad).

Your life, your gamble.
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Old 07-21-2016, 11:58 AM   #18
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Originally Posted by dodosmike View Post
Im not the OP of this thread but will chime in.

I asked my insurer and broker the same question regarding payload and liability in the event of an accident.

The insurer can (and I have friend in the auto insurance industry who had this exact thing happen) and have denied claims because an individual "knowingly exceeded the payload capacity of their truck as determined my the manufacturer". Accident report and photos proved it.

2009 F150 (don't recall the trim level), ATV in the back, 29' TT, 2 kids, spouse, camping stuff. High wind blew the TT over and took the truck with it, a lady in a small car plowed into the roof of the truck, Killing the driver of the car. Ins Co denied the claim due to "negligence on the part of the truck owner". The family of the driver of the small car is in the process of suing the driver, the insurance broker, insurance Co, Ford, hitch manufacturer and the TT manufacturer for about 10million. This was 3-4 years ago and no idea if it was ever settled.

I traded my F150 (1050lb payload) for a Ram 2500 (2075lb payoad).

Your life, your gamble.


That is kind of a freak accident that would have happened if the truck was lighter.

Can't go through life worrying about freaks of nature.

I would bet there is overloaded and then there is OVERLOADED. It is for this reason many of us just <sigh> when the weight police chime in when a TV is a few hundred pounds over. (Note: I'm not accusing you of anything. Just added on to my reply.)


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Old 07-22-2016, 08:37 AM   #19
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Well, I agree. But if the payload estimate is "over" by the insurers estimation, and they decide not to pay the claim, then is "a few pounds over" really worth it?

Not to me.

It's called risk assessment for a reason, everybody's "assessment" will vary.
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