Originally Posted by porkchopjack
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.