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Old 05-12-2015, 06:24 PM   #15
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If you are over the " legal " length and have a serious accident, I would think your Insurance company could walk away and leave you holding the bag ?
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Old 05-12-2015, 07:48 PM   #16
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Originally Posted by britcon View Post
If you are over the " legal " length and have a serious accident, I would think your Insurance company could walk away and leave you holding the bag ?
Anything is possible, but selling insurance for over 30 years, there is nothing in any insurance policy remotely to support this logic.

If you are speeding and in an accident, they can't walk away. Speeding and over length are both illegal.

If you falsify something on your application then that can cause you a problem on whether you have coverage.

Over length varies by State, also by what type of roads you are on, not saying you should ignore the laws, but I have never seen an issue for a claim being paid because you are overweight, over length, speeding, DUI's and any number of other violations of law.
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Old 05-12-2015, 11:49 PM   #17
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Is it legal, no, will you get stopped, highly unlikely. As a side note, safety equipment is considered part of your length. Those include bumpers and mirrors and ladders. The rear bumper and ladder won't matter because you'll be towing, but if you could figure out how much of a bumper a Class A has, you could at least subtract that and any bumper on the trailer.
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Old 05-13-2015, 10:37 AM   #18
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You all seem to have a lot of faith in an insurance company backing you up when you knowingly violate the law. It's not going to matter in a minor accident but if there is serious injury and/ or death I wouldn't be so sure they won't seek every opportunity to leave you hanging. Many of these claims can reach in the millions of dollars and are ultimately settled in court via a lawsuit. Percentage of fault can be assigned and if it's proven your over weight/ length and it was a contributing factor you might kiss that savings account goodbye. All because you willing chose to put yourself in that position. It's pretty much the same with those who don't feel the need for the proper driver's license endorsement. No big deal until until it's time to pay. Makes no sense to me.
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Old 05-14-2015, 09:05 AM   #19
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You all seem to have a lot of faith in an insurance company backing you up when you knowingly violate the law. It's not going to matter in a minor accident but if there is serious injury and/ or death I wouldn't be so sure they won't seek every opportunity to leave you hanging. Many of these claims can reach in the millions of dollars and are ultimately settled in court via a lawsuit. Percentage of fault can be assigned and if it's proven your over weight/ length and it was a contributing factor you might kiss that savings account goodbye. All because you willing chose to put yourself in that position. It's pretty much the same with those who don't feel the need for the proper driver's license endorsement. No big deal until until it's time to pay. Makes no sense to me.
Falcon, you make a lot of assumptions that are not correct or true, and it is clear your only goal is to fear monger, why, it dos not add to or benifit the discussion.

jeryan said it very well, and he is a guy with 30 years of experience.
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Anything is possible, but selling insurance for over 30 years, there is nothing in any insurance policy remotely to support this logic.

If you are speeding and in an accident, they can't walk away. Speeding and over length are both illegal.

Over length varies by State, I have never seen an issue for a claim being paid because you are overweight, over length, speeding, DUI's and any number of other violations of law.
Having been through a bunch of lawsuits on this issue, my experience has been exactly as jeryan described. Never once has an insurance company even remotly suggested that they would somehow only payout a percentage of fault. It really is this simple, if you have insurance, the insurance company is obilgated to pay, regardless of how or what caused the accident. The only caveat is they will only pay up to the amount of the policy limits.

Falcon, you are not alone in this theory of yours, I see it all the time on this forum. People try to make the assumption that if there is an accident, and somehow you are determined to be at fault, that this is the magic ticket for you insurance company to deny or not pay the claim. This is simply not ture in any shape or form. We have thousands of accidents everyday in this country, and in most all of them, someone is at fault due to whatever reason. Think of the pure chaos that would exist if your theory had any merit, there would be thousands of people with recked vehicles and claims with no reasources to get them repaird/paid.
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Old 05-14-2015, 10:16 AM   #20
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Falcon, you make a lot of assumptions that are not correct or true, and it is clear your only goal is to fear monger, why, it dos not add to or benifit the discussion.

jeryan said it very well, and he is a guy with 30 years of experience.

Having been through a bunch of lawsuits on this issue, my experience has been exactly as jeryan described. Never once has an insurance company even remotly suggested that they would somehow only payout a percentage of fault. It really is this simple, if you have insurance, the insurance company is obilgated to pay, regardless of how or what caused the accident. The only caveat is they will only pay up to the amount of the policy limits.

Falcon, you are not alone in this theory of yours, I see it all the time on this forum. People try to make the assumption that if there is an accident, and somehow you are determined to be at fault, that this is the magic ticket for you insurance company to deny or not pay the claim. This is simply not ture in any shape or form. We have thousands of accidents everyday in this country, and in most all of them, someone is at fault due to whatever reason. Think of the pure chaos that would exist if your theory had any merit, there would be thousands of people with recked vehicles and claims with no reasources to get them repaird/paid.
Furthermore, assumption on percentage of negligence, that is a matter of State Law, some States are Comparative Negligence and some are Contributory Negligence States, most have some variation of the two.

http://www.mwl-law.com/wp-content/up...-50-states.pdf

If you misrepresent facts on an application for insurance may affect your ability to recover on insurance, but that is strongly based on if the insurance company wouldn't have written the coverage based on the correct information to begin with in many States.
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Old 05-14-2015, 04:50 PM   #21
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I'll stand by what I said. In a civil lawsuit, depending on the state, you can be held partially negligent by a jury. If your over length condition was a contributing factor you might have problems. One way for the OP to get the insurance coverage question resolved is to contact his company. I don't mean the agent, I mean an underwriter or claims adjuster. Let them know his concerns about driving an over length vehicle and see what they say.
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Old 05-15-2015, 03:25 PM   #22
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Cool

I would like to make it clear that, "truly" I was NOT looking for "APPROVALS" to do so, but I was only looking for individuals histories to know the score of what I would have been getting into.

However, I believe the comments relative to "IF" I were ever involved in an accident, with injuries, and possibly being liable because of my over-length, nailed it.

I will now ONLY drive legal length, based on my states 65' limit.

Thank you to ALL that have contributed comments.
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