Some information:
http://www.funroads.com/rv-travel/safety/overloaded/
http://www.rv.net/forum/index.cfm/fu...7.cfm#18298847
Consider accidents involving drunk drivers, or any safety violation. The insurance company will pay. You may find yourself a person that will not be insured by the same company at renewal time, but they will pay. So I suspect that an overloaded RV, however unsafe for you, if involved in an accident the accident will be paid for by the insurance company.