Being in the Insurance Business for 40 years: they don't even know what questions to ask...
A claims rep.
never takes the time to ask if you were properly loaded or not...
Law Enforcement Officers won't care either: as long as it's not glaringly obvious...
(Like the time my Dad was taking a Backhoe up to our hunting camp... in a one-ton Dump!
(2700 pounds overweight!)