Hi, this is my first post on this forum, but this is a topic of great importance to RVers, including myself.
First, let's remember that the tow ratings for all vehicles are calculated with a full tank of fuel and a 150 pound driver, and nothing else in the vehicle. Therefore, the weight
of everything else you put in the vehicle, plus the weight of the driver that is in excess of 150 pounds, plus the weight of the hitch itself all have to be deducted from the towing capacity of your TV. I think some people are not aware of this fact. Therefore, when choosing a tow vehicle for your RV, don't forget to calculate the weight of what you intend to carry in your vehicle. It all must be deducted from your vehicle's towing capacity, except for 150 ponds for the driver.
Another often overlooked fact is that the towing capacity of your tow vehicle was calculated without any factory options on your vehicle (just like the Cargo Carrying Capacity of your RV was calculated). Therefore, you need to weigh your tow vehicle after it is packed and loaded with all occupants. Take this weight and subtract the stated weight of your tow vehicle, which can usually be found on your registration
certificate or your owners manual. The remainder must be deducted from your tow vehicle's towing capacity.
With these facts in mind it is easy to understand how one could easily be under the impression they are towing within the towing limitations of your tow vehicle when you actually aren't.
Can you tow okay when you are overloaded? Yes, you can often tow to your personal satisfaction and still leave yourself overweight without even knowing it. Is that a problem? It can be if you have an accident with significant financial implications. If it can be proven that (1) you were overweight in your tow vehicle and/or your RV, and (2) that overweight contributed to the accident. If these are the case, your insurance company may try to deny your claim, and someone else may sue you for damages and have a very good case, even if the accident is not otherwise your fault.
So, it all boils down to personal responsibility and understanding, and how averse you are to your legal risk resulting from being overweight with either your tow vehicle or your RV.