I thought we talking about over loading your ranger?
If you damaged your truck doing either of those things, then you would be at fault since both of those are against the law. Insurance would probably still help you out, I don't think you'd be on your own completely, but you'd probably have to shell out more on your end in my mind. It depends on your policy. Part of the whole negligence and at-fault stuff. I'd imagine your rates would go up if nothing else.
Accident vs willful disregard comes into play here. You'd have to swear up and down you didn't know you were overloaded or you would have a bad time.
You are probably right,
Oh, I 100000% agree with that sentiment that insurance, and pretty much any other corporate entity for that matter, is only out to make the most money, irregardless of who they hurt or who gets run over in the process. You may not meet a more cynical person than I. hahahaYou are probably right,
It may go toward fault, which would just mean your insurance company would more likely have to pay, but it has been decades since insurance companies even pretended to be fair minded or defended their clients.
Nowadays they make a habit of always finding the easy way out, and that usually means screwing both parties without regard to fault or pertinent facts. Their typical response to a complaint is "sosueme"
That may sound cynical, but all of us cynics think we're realists.
Other things I really liked (assume part of the towing pkg) were the cancellation of rear obstruction alarms, and the option to extend your blind spot alert to your trailer's length. I didn't have my 7 pin connected when I hooked up the boat trailer to back it into the garage for some work. The obstruction alarm sensed the trailer and wouldn't shut up. ...learning curve.
You can turn that all on with for scan though. It’s not a physical difference, just software.
Ah, the 80% rule. In the past, the tow capacity value was derived from the GCWR minus (weight of vehicle + 150 lbs for the driver). The 80% rule came from the fact that most of the time the vehicle has a lot more weight in it than the 150 lbs for the driver. So the 20% reduction was a ballpark figure to compensate for the extra weight in the vehicle. So if there are 4 large people, a full tank of gas, and supplies and firewood in the bed, you just added a bunch of weight to the vehicle. Likewise, the tow rating is reduced by this extra weight. If you want to stay within the Ford ratings for your Ranger, load the vehicle as you would for a trip, and weight it on a certified scale. Your max tow capacity would be the GCWR minus the weight figure. If you really want to get thorough, hitch the trailer up and head back to the scale. Verify that you are not exceeding the Ranger’s GVWR, axle and tire weight rating.
This is a myth I've seen repeated on a few forums. If you read your policy documents you'll probably see that the only way you are not covered is if you are attempting to outrun police. Your insurance covers negligence....if insurance only covered people when they are doing things the way they are supposed to there would be no point to it. Nobody ever says if you speed, drive drunk, run a red light you are on your own. I think there are a few anecdotal stories of commercial operators being overloaded and getting their employees hurt, but that is not what we are talking about.
It does in fact take into account frontal area... 55 Sq ft for the Ranger same as the F-150
Thanks, I looked that up. I wonder how much it is reduced if someone goes to 60 sq ft frontal area?
