Also, you are uninsured if you exceed your vehicle's towing or gross weight rating. It's in the fine print of your insurance binder, something about using the v

Also, you are uninsured if you exceed your vehicle's towing or gross weight rating. It's in the fine print of your insurance binder, something about using the vehicle IAW manufacturer's recommendations. EDIT: And yes, the insurance company will weigh your equipment after an accident.