NoSmoke
Veteran Member
So? They don't have to know the tow weight w/o looking - if you cause an accident while pulling a trailer, all they have to do is look it up (and I suspect they would).Geordi 01JetTDI said:Show me an insurance agent that knows the manufacturer's accpetable tow ratings for every car without looking... And I'll show you a liar.
They don't have to determine what is within the car's capabilities - the car manufacturer has already done that. I simply told my insurance co my car is rated at 1000 lbs and I wanted to pull 1400. They said forget it - my opinion or anyone else's here is irrelevant if a claim is made and denied.Insurance companies would be perfectly happy for you to give them all your money, and never drive or even take your car out of a ziploc bag wrapped in a bomb shelter. That way they never have to pay anything. It's easier to say "no you can't" than to do any actual work and determine what is possible and within the car's allowed capabilities.
Perhaps a court would see otherwise if you are forced to sue the insurance company over a denied claim. I suspect that would get expensive real fast though with no guarantee at all of success. IMO you are taking big risk towing overweight - much like driving with no insurance at all I would think.