good question Bob, which prompted me to further investigation. Up to now it was hearsay, rumor. I called my insurance company, Geico, and they said they have never heard of that reason for denial. a quick look over of my policy states no exemption. a quick internet search lists several discussions, the most interesting to me listed as follows:
dated 2013, from -
https://www.personalinjuryclaimsblaw...ity-for-rvers/
Towing in excess of the vehicle manufacturer’s weight limits could not only prove dangerous, but could even be considered negligent. In the event of an accident with an overweight personal vehicle, you could be held responsible for higher awards in a lawsuit for damages to other people, vehicles or property.
end reference.
has it ever happened? I find none. As a matter of safety, my foremost concern, I stay within my limits.
Thus, I stand enlightened. Thanks for that question Bob.