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000

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  1. By that logic ANYTHING is POSSIBLE right? You could be denied coverage because your non stock floor mat bunched up under the brake pedal and caused you to crash. I don't see the same type of nonsense posts railing against floor mats. I guess the fear mongers just continue to get away with lies in our society today. Why should this place be any different? Why should actual experience count over hypothetical situations? I mean they should but, clearly we give a pass when they don't now...
  2. It doesn't bother you guys that people come on your forum and spread this dis-information? I have yet another true story showing this doesn't happen if you would like to hear that one too...
  3. I also find it absolutely comical that you can claim to tell me what my insurance company will or will not cover. Have you read my policy? I have... I see no such language that substantiates your claims. Maybe provide me the name of your insurance carrier and show me where in your policy this language exists. Maybe I am wrong but you have yet to show that is the case. Should be simple if this is as set in stone as you seem to want to claim. I mean it should be simple, I have seen this claimed many times, I have never had someone come up with an actual case or any proof of what you are saying.
  4. So simply engaging in more unsubstantiated fear mongering. Please provide and example of this happening if you are insistent on continuing to make the claim. It is all hypothetical, it doesn't happen. I used to have a business where we ran hot shot style trucks. I had a driver rear end a car, which pushed into yet another car. There was never an investigation into the GVWR of the truck hauling the load, a Chevy 2500 pulling a 36 foot gooseneck. Insurance paid the claims no questions asked, no lawyers, no lawsuits, no problem. See, just like that, actual experience.
  5. Except payload is not legally defined. You need to be under the tires capacity GCVWR and axle rating. The payload rating everybody seems to want to quote and worry about with regards to pin weight simply doesn't matter. Again, show me where this has actually happened. I understand people love these hypotheticals but show me the guy that got screwed because of what you describe. My contention is that this doesn't happen, ever.
  6. Running commercial is a whole different ballgame for sure. Commercial is heavily regulated as you know. The RV industry has much better lobbyists than the trucking industry, RV's get away with all kinds of exemptions not applicable to commercial. I held a class A CDL for a couple of decades. My son just got his, I am well aware of the restrictions and that is why my truck is coming with a 10k sticker. I actually tried to look this up on my insurance policy and can find no mention of situations where being over payload is somehow a reason to deny a claim. I have seen lots of claims about this over the years but never a substantiated incident. When you ask for one, nobody can provide it. It gets debated often and I am open to limiting my activities if a substantial risk does exist. I can not find compelling proof that the insurance company or law enforcement are considering this. Always good to do some digging before deciding which side you want to err to. I am perfectly comfortable with my stance and actions regarding the subject. I understand others prefer a different approach and that is fine. I just do not like the guys who haven't really done the research claiming the sky is falling, that gets ridiculous. I see a thread here was recently closed over this behavior.
  7. I have never heard of this actually happening. The payload rating is not law. I do not get this fear of being in an accident everybody seems to have, you all must crash a lot more than me. I drive 30k miles a year and have for decades, some years with a CDL I ran 3-4 times that. I have never had a wreck where this would have been an issue. NOBODY is checking this on an RV EVER unless you are pulling a 40 footer with a Ranger. Non issue in my book though there are plenty of weight police around with crazy scenarios and arguments that scare people into obeying a sticker on their truck. If you are within the weight ratings of the axles and the tires that is all that matters to the law. Heck I may just peel the tire info/payload sticker off like a tag off a mattress... If you are concerned about insurance, read your policy, see if there is language like that in there.
  8. No physical changes to the truck, it will be built exactly the same as if it had an 11,300 sticker. I am pretty sure even the axle weight ratings on the sticker remain the same, just the GVWR number changes. The payload number will drop from ~4300 to ~3000 on the other sticker with tire information. The heaviest load I am likely to haul will have less than 3000 lbs pin weight and the tires will be swapped for a set with higher ratings than what is on the payload sticker negating that information. I will always be under the axle and tire capacity which it what really matters.
  9. Please show us an actual example of the legal ramifications of getting into an accident over the recommended payload numbers. I believe this to be a fictitious concern.
  10. Thank you for the sanity check... I owned a business for many years where we ran hot shot deliveries with pick-ups and gooseneck trailers. We had a couple of weigh stations we regularly had to pass through, door stickers were never checked, tires and axles as you mentioned were. Nobody ever gets checked in an RV... I ordered an F-350 and the 10k gvwr because we have had the state troopers checking one ton and up pick-ups. Colorado has a weird law on the books that if your truck gvwr is 10,001+ and you are towing a 10,001+ gvwr trailer for commercial purposes you are required to meet regulations for a commercial vehicle, despite being under the 26,001 federal standard. They have mainly targeted tradespeople with dually trucks, because they know all of those are over 10k. I have several friends in the trades that have been stopped and I know of at least one instance of a red tag issued because of this. I help some of these guys out hauling now and then, not for pay but because we help each other out. Nonetheless, if I am hauling a mini ex on a gooseneck I am subject to this kind of stop. Having the 10k sticker inside the door ends the conversation immediately. They never weigh anybody, they just seem to like to key in on this nonsense rule on the books. I will run under 26k and within my tire and axle ratings. I may be over the payload rating with the derate sticker but this will never be an issue because the truth is that is just a recommendation. My truck will be built exactly the same as the one with the 11,300 lb sticker and ~4300lb payload rating. I too could have ordered an F-250 and done the same work. There was no reason other than I wanted the F350 and the price difference was negligible. It isn't going to tow or haul any differently. I am also subject to lower registration costs with the 10k rating over the 11,300 the truck would normally come with.
  11. I thought this was pretty standard but I am no expert on other states tax laws. We live out of town and only have to pay 2.9% state tax. If you live in town you get socked for the state plus the locality with can end up being over 10% in certain places.
  12. This is the fallacy, nobody gets "caught" for running over the manufacturers RECCOMENDATIONS. None of it is based in law, there is no legality question despite the internet banter surrounding the subject. If you are hauling commercially, you are subject to those federal laws, primarily being over 26,000 GCW, not the rating but the actual weight. This does not apply to RV or personal uses. Lots of people seem worried about this and 99.9% of the time it is completely unfounded.
  13. It is even more obvious you haven't done your research... just looking to get the fact straight and you clearly are unable to support your contentions. Enjoy your new truck, I hope it meets all of your expectations.
  14. That information is pretty easy to find. You really think they changed a bunch of parts for the $3-500 price difference. There is very little difference between the two.
  15. I am sorry that you do not understand that you are going by a sticker on the door jamb and not the actual mechanics of the truck. I have an F350 with the 10k GVWR option coming. Capability wise it will haul the same weight, just as comfortably as the truck with the non-derate sticker. The F250 with the HCTP, which is what was being discussed, is mechanically identical to the F350 srw even though the F350 has a STICKER that says it can haul more. So if you have an F250 with the high capacity package and think an F350 is going to be safer and more comfortable to tow with, that would be entirely fabricated in your own mind. If you have a regular F250 without the HCTP the only real difference in in the rear springs. I know that adding a set of air springs will easily bridge the 8-900 lb capacity gap you are trying to show me as unsafe and uncomfortable.
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