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08-04-2021, 01:53 PM
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#21
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Seasoned Camper
Join Date: Oct 2017
Location: South Jordan
Posts: 80
M.O.C. #20689
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I had my dealer beef up the receiver and fix obvious very bad welds from the factory. On occasion, I tow a small trailer with a side by side UTV that in total stays below the 3000 Lb max rating. On my trailer, the receiver crossmember was really beefy, but the weld's were horrible. If you tow above 3000 Lbs, you'll want to have a professional hitch company fabricate it for you. Even when I tow less than 3000lbs, I have brakes on the single axle rear trailer and sway control. I don't recommend going above 3500 lbs regardless. You run the risk of the tail wagging the dog going down steep grades or in strong cross winds.
__________________
2018.5 Montana HC 305 RL
2019 GMC 3500 HD Denali
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08-04-2021, 02:14 PM
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#22
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Montana Master
Join Date: Oct 2004
Location: Salem
Posts: 7,528
M.O.C. #2283
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I ask my insurance agent if I towed over weight was I covered. They called Allststate to be sure yes you are covered. Think about it, your insurance company can’t decide whether to cover you. If they could they wouldn’t cover you if you were speeding, drunk, or anything else when you were at fault.
Lynwood
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08-09-2021, 03:34 PM
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#23
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Montana Fan
Join Date: May 2015
Location: fargo
Posts: 185
M.O.C. #17461
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Quote:
Originally Posted by Tracy-n-Steve
One big reason not to exceed the tow rating is that insurance will often not cover a claim if you have exceeded the GWVR or the tow rating
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The above isn't true
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08-09-2021, 03:51 PM
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#24
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Montana Master
Join Date: Oct 2015
Location: westminster md
Posts: 2,318
M.O.C. #17894
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Quote:
Originally Posted by steiny93
The above isn't true
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Not only is it true but I assure you if you're towing your 18,000 lb toy hauler with your F250 and wipe me out I'm going to own everything you have
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08-09-2021, 03:56 PM
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#25
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Montana Master
Join Date: Oct 2004
Location: Salem
Posts: 7,528
M.O.C. #2283
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If you are worried your insurance won’t cover you ask your insurance company. Don’t take someone’s word for it.
Lynwood
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08-09-2021, 03:59 PM
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#26
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Site Team
Join Date: Sep 2017
Location: Oro Valley
Posts: 3,899
M.O.C. #20477
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You can be drunk, speeding, run a red light or any other screw up and your insurance will cover to its limit.
__________________
Zack and Donna plus Millie and Ranger
2018 3160RL
"Life is too short to stay indoors, enjoy the ride!"
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08-09-2021, 06:24 PM
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#27
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Montana Master
Join Date: Dec 2009
Location: Sebring
Posts: 3,657
M.O.C. #9969
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Again, your Insurance will cover you up to the Limits of your policy. It's those Accident Lawyer and the Civil Suit they'll file that will take the shirt off your back. Just look at some of the awards those guys include in their adds, millions of dollars.
__________________
Michelle & Ann
2018 Chevy 3500HD High Country DRW 4X4 Crew Cab w/Duramax/Allison, Formally 2010 Montana 2955RL, Now Loaded 2016 SOB, Mor/ryde IS, Disc Brakes & Pin Box, Comfort Ride Hitch, Sailun 17.5 Tires.
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08-09-2021, 06:33 PM
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#28
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Montana Master
Join Date: Oct 2004
Location: Salem
Posts: 7,528
M.O.C. #2283
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Quote:
Originally Posted by mhs4771
Again, your Insurance will cover you up to the Limits of your policy. It's those Accident Lawyer and the Civil Suit they'll file that will take the shirt off your back. Just look at some of the awards those guys include in their adds, millions of dollars.
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My insurance agent, been in the business over 30 years told me she had never had a client that the insurance settlement went over the insurance limit. That is here in conservative southwest Va. That could be different in other more liberal parts of the country.
Lynwood
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08-09-2021, 06:43 PM
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#29
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Montana Master
Join Date: Dec 2009
Location: Sebring
Posts: 3,657
M.O.C. #9969
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I agree with you, once your Insurance has paid up to the limits of your policy they are out of the picture.
The Civil Suit has nothing to do with your Insurance and must be Big Business for the likes of Morgan & Morgan, the Barnes Group and any number of those Accident/Injury Lawyers that advertise 24/7/365 on the boob tube.
__________________
Michelle & Ann
2018 Chevy 3500HD High Country DRW 4X4 Crew Cab w/Duramax/Allison, Formally 2010 Montana 2955RL, Now Loaded 2016 SOB, Mor/ryde IS, Disc Brakes & Pin Box, Comfort Ride Hitch, Sailun 17.5 Tires.
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08-10-2021, 07:00 AM
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#30
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Montana Fan
Join Date: May 2015
Location: fargo
Posts: 185
M.O.C. #17461
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Quote:
Originally Posted by beeje
Not only is it true but I assure you if you're towing your 18,000 lb toy hauler with your F250 and wipe me out I'm going to own everything you have
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Totally not true (based on weight alone)
If I'm drunk/high perhaps crazy speeding and have a history of said badness then perhaps you could get a civil case to fall your way.
But solely based on being over a manufacturers weight (not even my licensed weight). Not a chance in the world.
The manufactures weight has no bearing, licensed weight is the legal point of concern. Beyond weight the concern is how the vehicle is being operated (safety).
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08-10-2021, 07:21 AM
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#31
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Montana Master
Join Date: Oct 2015
Location: westminster md
Posts: 2,318
M.O.C. #17894
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How can you state that weight does not matter. The door jamb sticker of your truck dictates payload capacity. If you attach an 18000 lb triple axle toy hauler To any f250/2500 truck you're going to potentially double that payload capacity.
Try taking a semi through a weigh station at 95 thousand pounds and see what happens.
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08-10-2021, 07:45 AM
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#32
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Montana Master
Join Date: Dec 2009
Location: Sebring
Posts: 3,657
M.O.C. #9969
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Guys we're just beating a Dead Horse, those that knowingly haul overloaded are going to continue to do it and nothing we say is going to change their minds. Very similar to the 250/2500 vs 350/3500 debate.
__________________
Michelle & Ann
2018 Chevy 3500HD High Country DRW 4X4 Crew Cab w/Duramax/Allison, Formally 2010 Montana 2955RL, Now Loaded 2016 SOB, Mor/ryde IS, Disc Brakes & Pin Box, Comfort Ride Hitch, Sailun 17.5 Tires.
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08-10-2021, 08:06 AM
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#33
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Montana Master
Join Date: Oct 2015
Location: westminster md
Posts: 2,318
M.O.C. #17894
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Quote:
Originally Posted by mhs4771
Guys we're just beating a Dead Horse, those that knowingly haul overloaded are going to continue to do it and nothing we say is going to change their minds. Very similar to the 250/2500 vs 350/3500 debate.
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You are exactly right,, well said
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08-10-2021, 01:53 PM
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#34
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Montana Master
Join Date: Jan 2007
Location: Lobelville
Posts: 2,128
M.O.C. #6650
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MY 2021 GMC 2500HD has a tow rating of 18,500 lbs. The Same truck with DRW is 20,000 lbs. I only buy GM trucks, however at one time I owned a Freightliner Sports chassis. The best Truck i have ever owned.
My Trailer Saver air ride hitch BD 5 G has a pin weight of 5,000 lbs, and a tow rating of 28,000 lbs.
My 2021 Montana 3762 BP is within all those weights. When loaded to travel we carry 20 gals in the black tank, with the great tanks empty. No water in the fresh water tank. The 2021 Montana design requires you to open slides to get to Bath Room. Not worth the time to open slides, to use bathrooms.
Just my opinions, use at your own risk.
No matter what size Truck you have there is always someone who will say YOU need a bigger Truck. However when we owned the Freightliner, no-one ever said I needed a bigger truck, even when we towed a Chevy HHR behind the Mobile Suites. We did have a Kansas Hwy Patrolman said we were over length, not ticket, just a warning and said go back thru Texas you will be fine. The only time we were ever stopped in two years of traveling. We were 75' long. Awesome set up!
Happy Trails.
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08-10-2021, 02:20 PM
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#35
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Site Team
Join Date: Oct 2005
Location: Carmichael - CA
Posts: 7,324
M.O.C. #4831
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Quote:
Originally Posted by Delaine and Lindy
MY 2021 GMC 2500HD has a tow rating of 18,500 lbs. The Same truck with DRW is 20,000 lbs. I only buy GM trucks, however at one time I owned a Freightliner Sports chassis. The best Truck i have ever owned.
My Trailer Saver air ride hitch BD 5 G has a pin weight of 5,000 lbs, and a tow rating of 28,000 lbs.
My 2021 Montana 3762 BP is within all those weights. When loaded to travel we carry 20 gals in the black tank, with the great tanks empty. No water in the fresh water tank. The 2021 Montana design requires you to open slides to get to Bath Room. Not worth the time to open slides, to use bathrooms.
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The Tow Rating is not the issue with a 2500 or even a 3500. The Cargo Capacity is the issue. Until you have weighed the rig on a CAT scale your GVW and RAW are just speculation.
__________________
Carl (n Susan)
There is more to life than fuel mileage.
2012 Montana 3700RL Big Sky Package towed by a 2015 Ford F350 6.7L PSD 4WD CC LWB
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08-10-2021, 03:22 PM
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#36
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Montana Master
Join Date: Oct 2015
Location: westminster md
Posts: 2,318
M.O.C. #17894
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Quote:
Originally Posted by Carl n Susan
The Tow Rating is not the issue with a 2500 or even a 3500. The Cargo Capacity is the issue. Until you have weighed the rig on a CAT scale your GVW and RAW are just speculation.
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Exactly right but you can't convince people they just don't get it.
I wouldn't bet the yellow sticker in the driver's door jamb States the payload at less than 2,500 pounds
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08-10-2021, 04:37 PM
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#37
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Montana Master
Join Date: Dec 2009
Location: Sebring
Posts: 3,657
M.O.C. #9969
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And my 2018 Dually has a 5th Wheel tow rating of 22700 with a gross of 31100
__________________
Michelle & Ann
2018 Chevy 3500HD High Country DRW 4X4 Crew Cab w/Duramax/Allison, Formally 2010 Montana 2955RL, Now Loaded 2016 SOB, Mor/ryde IS, Disc Brakes & Pin Box, Comfort Ride Hitch, Sailun 17.5 Tires.
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08-20-2021, 01:24 PM
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#38
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Montana Fan
Join Date: Oct 2010
Location: Park Hill
Posts: 166
M.O.C. #10841
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I have towed quite a bit behind a Montana. I can tell you from experience that the place to worry about failing on the hitch on the back of your Montana is where it is welded to the frame of the Montana itself. I have had two friends lose boats because of the weld failing where it is welded to the frame. One was lucky it broke as he was rolling over a speed bump at a rv park the other lost his boat going down the highway. He lost his 19 foot ranger going 60 mph down the highway and didnt know it for 10 miles down the road when he made a right hand turn and didnt see his boat in the mirror. Sickest feeling he has ever had he said, weld failed where welded to rv frame, on both, only good thing was boat left highway to the right and just hit the ditch nothing was hurt other than boat.I have taken a piece of 1-8 inch thick 6 inch long piece angle iron and drilled 4 holes in it and 4 holes in the rv frame and bolted the angle iron to the frame then drill the the other side of the angle iron and through the steel that is welded to hitch and bolted it to the hitch. It is now welded and bolted to both sides of the camper frame. The heaviest thing I pull behind my camper is a 18 foot bass tracker boat. 175 lbs tongue weight. I dont even want to talk about the length limit laws. Needless to say I am very careful when double towing. See troopers on highway regularly but have never been stopped.
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08-20-2021, 01:27 PM
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#39
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Montana Fan
Join Date: May 2015
Location: fargo
Posts: 185
M.O.C. #17461
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Quote:
Originally Posted by Tracy-n-Steve
One big reason not to exceed the tow rating is that insurance will often not cover a claim if you have exceeded the GWVR or the tow rating.
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The above is absolutely not true
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08-20-2021, 06:15 PM
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#40
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Montana Fan
Join Date: Jun 2018
Location: Jacksonville
Posts: 381
M.O.C. #21993
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You throw the dice and ya takes your chances. Me, I'm not a betting man. When it comes to my family, I keep within the legal boundaries, never want to deal someone else's lawyer, it never pays, even if you win.
__________________
I was once intelligent beyond my years. Now, I’m years beyond my intelligence.
2020 Montana 3561 Legacy, everything except paint.
2018 Silverado 3500 DRW, 50Gal Transfer Flow, Andersen hitch.
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