Always load front, and or left side first with horses (if you have a choice). 

I would put the big mare in the front, gelding in the middle, and hay on the rear (if possible, or in the tack room).  It is not a balancing act, any weight behind the axles is a greater possibility for instability....no matter what the tongue weight ends up at. 

With a bumper pull three horse, it is a balancing act. I would put your heaviest horse in the middle, and the next heaviest load in the front, with the lightest in the rear.

Gard

Gut feeling ... if you have a dressing room up front - I would put the lighter horse in front stall and heavy horse in middle stall and hay at back.

Once loaded, check your level. Do you use WDH? That's another consideration.

Otherwise, I would put the heavier up front, lighter horse in middle but definitely hay in the back stall.

Depends on the definition of balance, we already know you and I have a different definition. 

I wouldnt disagree with your load plan.....although I suspect with your definition and a 2 horse load you would put one in the front and one in the back in an attempt for "balance"........that I would disagree with.

I don't believe in using any more tongue weight than is necessary for proper towing trim. In the fifteen years I had my 3 horse BP trailer, and the thousands of miles I towed it, I learned how it best pulled with various loads. If you like your trailer loaded a certain way, do it. I liked mine a certain way, it worked well, and that's how I loaded it. Period.

Gard

Fair enough.  Ive been putting all the pieces together though, your loading comments, statements about WDH vs. suspension helpers, truck squat, and atypical loading methods. 

I remember when you first started posting here and your claims of about your Exp/suv's not being enough truck to pull your trailer (despite the fact you DID'NT wreck)........I just have to wonder how much better that situation would have turned out with a properly loaded trailer using a WDH/sway control?

  Ive been putting all the pieces together, your atypical loading methods.  (despite the fact you DID'NT wreck,  a properly loaded trailer ...............[/QUOTE]

Chadsault, I forgot! I forgot that you were there when we purchased our trailer. I forgot that during the time we owned it, and pulled it behind three different vehicles, you were there observing our every move. When we hauled my daughter's first pony, our Belgian, various Holsteiners, Tbs, QH and Paints of every size, you were there. Even when inanimate items were moved, building materials, furniture, farm tractors, you were there to supervise the loading.

But for the grace of God, we did not have an accident. But you were there to witness the uncontrolled movement across multiple lanes of traffic, in both directions. You too were fortunate to not end up in a ditch, the center barrier or against any other vehicle. Again because you were there, you knew what caused the event, and that the loading was not the cause. Because you were there, you knew exactly what was being carried in the trailer, and how they were placed.

Because you know all these facts, and have personal knowledge of my equipment and how it was used all those years, I have to apologize for thinking badly of your statements. Had you not been so well versed in my activities, I would have considered your declarations to be disingenuous, unreliable and naive. Please accept my most humble apology, for thinking poorly of your most deservedly criticism. Working a lifetime career in commercial aviation and boat building, has left me ill prepared to understand certain concepts like balance, center of gravity, mechanics and trim.

BTW, this issue between us is done

Gard

No reason to be so thin skinned, just something (the loading/setup) for you to think about when youre making any future claims of suv/smaller trucks not being suitable for towing.

On a slightly less pc note, I would make the conclusion that your driving skill/experience saved your ass, not "the grace of god"...............

WOW, somebody got up on the wrong side of the bed this morning.

Yall are making a mountain out of a mole hill. Just agree to disagree and have a better day!!!!!

The "cant tow safely with an suv" argument has LONG been a mountain.........and usually elicits an emotional (vs. analytical) response.

I am capable of having a discussion, even an arguement, and still having a fine day.  I would use the happy smiley here, but I think theyre a little silly.

And with a little more "trail and error";

Had you loaded both horses to the front, adjusted the WDH if your 1/2 ton squatted too far, then gave the steering wheel a few "wiggles" you would have found that loading to be even more stable.

It is true every rig is different, but the basic loading principals are all the same.

Here's a four horse bumper pull that you could get to rockin' like a teeter-totter if you weren't really careful!!

Cripes all mighty.  What make is that?  Axles are damn near in the middle?  Trying to keep the tongue weight down I guess,  Im not sure you could pay me to pull that one with a pickup.....loaded or not.

This one on the other hand looks like someone knew what they were doing when the put the axles on.

http://www.horsetrailerworld.com/home/trailerdetail.asp?ID=145912

Heavy stuff goes towards the front of the trailer, basic trailer loading 101.  An improperly loaded trailer is dangerous, just how fast can you get a horse out of a trailer laying on its side? 

Load the hay in the front stall and the horses in the back two and you will quickly find out what is not "a good idea at all".

Hi al

I am not going to add to how to load your trailer as there are already many ideas sugested above. What I wll add however is that you must always approach towing a BP with caution... Here in SA we have a 4 H straight load box which has had its fair share of trauma.... They are quite long as you can see from the attached pic and what happens is they are normally towed by a vehicle which is not really heavy enough... By nature of its design you end up with 2 horses in front of the axels and 2 horses behind... If the tow vehicle is not heavy enough the trailer can easily get into a see saw and the rear wheels of the tow vehicle loose traction.... and over she goes. I had the missfortune of driving behind such a rig and watched in horror as all 4 horses were flung out the back... not a nice sight...

So my only comment remains.... just drive very carefully and be aware of what you are towing...

Cheers ...Sunny SA

I don't mean to stir up any hornets nests, but, what if you are pulling one horse in a two horse slant?  I am planning on ordering a 2 horse with a 1st stall escape door to use as my "hayrack" . My 800- 900 pound mare would be traveling over the axles.. We have 2 horses, so I understand that when hauling both my heavier mare would go up front, but when trail riding/camping it is usually me alone.. Will 2 bales of hay, a water tank (homemade.. holds @ 20 - 35 gals) and other sundries help keep the trailer from overbalancing? Or is is this a non-issue because of the short-coupled-ness of the 2 horse trailer.. By the way, the front tack will be @ 2 feet longer than standard.  My mare likes to save her urine and poop to decorate her ride when traveling and I don't want to risk contamination of her food, and at 5'3" I am not tall enough to easily manage an overhead hayrack.. Lifting 80lb bales of hay overhead is a bit much for me unless there was a way I could rig to drag them up.. I may get a hayrack later for when (if) I travel with 2 horses, but wasn't planning on using it regularly.. I decided to add  the escape stall option specifically for it's ease of getting things in/or out..

Would appreciate whatever ANYONE has to say out there

I have stacked hay in the back, left corner (no rear tack) on my slant. Stacking 7 bales (the original person's 350 pounds) might be a little trickier.  3 on the bottom, then 2 + 2.  ??  Still gives you the passenger side door. However, if there is a tack area there, you're outta luck. But again, if only using 2 of 3 stalls, you can still put it along the head side.

If needed, buy a box of CONTRACTOR trash bags from Home Depot/Lowes. They are thick and large enough to hold a 50 pound bale. 

Hauling a mare means urine on the "back" wall. Less worries about hay. Geldings however, are "center fires" and for that reason, I stack near the horse's head.

I have some rings that lay flat that I want to install under the rubber mats, with a hole in the mat, so that I can use ratchet straps to hold the hay tight to the wall.  I was going to position them maybe 3 - 4" away from the wall and run the straps under the hay and up.

One other way I've hauled extra hay for a long weekend is to STUFF full, some hay nets and hay bags. Then hang them up in the trailer at the back corner or in the front corner if I've got the horse in the center stall of a 3H. Then I only need another bale or 2.

Good idea..Gabz.. I was just thinking of the ease with which i could pre-laod my hay, grain, water, etc.. and Then load my mare.. .. I guess I could just load the bales in the second stall on the head side..However, I DO (or will) have a rear tack..

Chadsalt, ...I'm pulling it with a Toyota Landcruiser.. about 6000 lbs tow weight..  I do not yet have a WDH, but I will get one for this new trailer (that I have yet to order..I have a poll going here on this forum about Sundowner vs 4 star... would appreciate any input) .. Long story short.. I'm not sure how big (deep) the drsg room will actually be... 4 stars have a sharp wedged nose, whereas S-downers are more broad..all of which may affect their weight distribution (maybe?)

With a Landcruiser there is NO way I would even consider hauling with the horse in the rear stall.  I have no problem hauling with an suv (see sig), but proper loading is a must or you will end up being another of those people who think suv's are "unsafe" for hauling horses.

You may want to contact both manufacturers in reference to using a WDH on their trailers.  Aluminum trailers are funny about that sometimes.  You will also generally need a 36" tongue, 30" was much more common when I was trailer shopping.  Be prepared for some just plain stupid comments from the trailer manfacturers about WDH though.

Good luck.

No wonder,it's a HART!

The Toyota has a wheelbase of 112"; the Escalade has 116".

I wouldn't pull a 3H BP with either of them

I know people do it. But I wouldn't. that's why I have a 3H GN with an F150 with 145" wheelbase.

I'm trying to think of any photos of horse trailer wrecks I've seen that involved a GN jack-knifing or rolling onto its side. hmmm....  can't think of any.

Enough with the scare tactics.

And you're joking about the GN not jack-knifing or rolling.........right?  Think harder.

I have a Crew Cab Duramax, and an Escalade with a 6.0, I have pulled the same trailer with both vehicles with three horses loaded with "absolutely no problems" no funky hitches just lower the trailer on the ball. The Escalade handles the trailer better than the CC due to the air ride rear. If you think you have to have a Freightliner to pull three horses then go ahead and buy one, before the days of these modern trucks I pulled three horses in a stock type BP with a 6 banger Ford F-150, never wrecked, never got stuck, always made it home just fine.

Blasphemy!!!!  Don't you read the internet forums?  You must have a dually and a GN to be safe.

....... I do read the internet,............for comic relief........

Read my signature.

Show me some photos or news articles. Everytime I read a thread about a horse trailer accident - it's a BP. Sometimes with WDH. 

I'm not saying everyone needs a dually and a GN. I use an F150/5.4 for my 3H GN with 4' shortwall. I sure as sh** don't want to haul in the mountains or snow storms with 3 horses in it, but I'll haul 2 horses in reasonable terrain and reasonable weather.

But hey. If I never drove through cities or mountains or in snow or heavy rain or high speed interstates, bumper-to-bumper, etc. etc.,  I guess I'd be fine with a little short wheelbase SUV and a 3H with a big DR and then ask.. HOW DO I LOAD THIS THING?

ANd.. Gee Chad... weren't YOU the one that said ... NO WAY.. not with a Toyota? Oh. whoops. That was NOT PUT A HORSE in the last stall.. Oh Gee...  and don't drive when it's raining, or when it's dark, or through mountains, etc.

I'll keep you in mind next time I read about an accident other than a BP.....not all of them make the news/web.  There have been several local wrecks here over the years.  No body generally makes that big a deal if a little pickup hauling cows goes over.

Yes, I did say not in a Toyota.  Had nothing to do with it being a Toyota or an suv, or a "short" wheelbase.  The fact it is smaller/less powerful is why it is rated at only 6K, not why it's unsafe to haul the 6K.  Being loaded at the working limits, be it the 6K of my previous Trailblazer or the 15K of the Dmax, requires full attention to EVERY detail.  The 900# tongue on my trailer squatted the TB to the axle bump stops and required time at the scales to get the WDH properly set up.  The same 900# barely squats the Dmax at all, requires less of my attention.  Now load the tractor on the equipment trailer and its pushing 2000# tongue weight........I have to start thinking harder with that load.

When my wife learned to tow she was also very timid in inclement conditions.  To me it makes no difference, if I have to drive in foul conditions and the rig is set up properly I'll be fine.  I can tell you after driving all day in bad weather not a single one of us gets back to the terminal and thinks, boy I sure wish I could just drive this big rig home instead of my smaller car.  A larger/heavier vehicle will take longer to stop in the snow/rain and from high speeds.........so I fail to see why it would be more desirable?  A larger truck may make you 'feel' better, and you may like it 'better', but you'll never prove it is 'better'.

Now if you can afford/want a larger truck where you dont have to think, know, or understand how to properly load a trailer or maybe just dont want to be bother with worrying about every little pound, then so be it.  But using a smaller vehicle does not mean you're automatically unsafe, just because the average jane/john doe is uncomfortable with it.

Edit;

http://www.horsetrailerworld.com/forum/thread-view.asp?threadid=10021

I'm guessing that one was not a BP.

My friend has a 3 horse Sundowner BP with big dressing room.  My horse just loves that trailer.  I have not hauled in a 4-Star so can't comment on them.  I did look at one for sale and thought the Sundowner was a much nicer trailer.  Not sure about the one you're thinking about, but the '95 Sundowner my friend has is a heavy trailer.  

Now, regarding loading, I pull a 2 horse GN with LQ and put all my hay, grain and the portable corral in the first stall and the horse in the back.  It hauls great and I have never, ever had that trailer sway or feel unsafe.  On the other hand, the BP trailers I've had did have some sway at one point or another which is why I now pull a GN.  I haul over big mountain passes and travel quite a bit on the highways across Washington, Oregon and Idaho and always feel safe with the truck and trailer combo I have (Chevy 3/4 4x4 , not a dually).   When I hauled with a BP, the horse was in the first stall.  Hay and stuff was in the tack area and whatever could be moved easily was in the last stall.   I personally would never haul with an SUV though, because of the roads I travel, but I think for non-freeway speeds and around town it might probably be okay.  I was always told that it isn't so much about the hauling as it is about stopping - the few SUV's I've seen hauling a 3H BP seemed to be dwarfed by the trailer - a serious case of the tail wagging the dog.   But, that's just my opinion.  I am a GN lover now though, so am a bit prejudiced :)

http://www.kmbc.com/video/18299077/index.html

chadsalt... I couldn't get yours to play, here's another....

http://www.kansascity.com/679/story/941048.html

http://videos.kansascity.com/vmix_hosted_apps/p/media?id=2543667&f=mokas

 That's two lucky people.....

Quiz time... What make trailer is that?  Exiss?

Yeah, I went through two or three before the one I posted would play for me.

Cant be an Exiss.......dont they burst into flames?  I think I read that on the web somewhere.

That's funny, When I haul 1 horse on a long trip, I have loaded the horse in stall #2 for 20 years and have never had a problem loading the hay, grain, etc in stall #1 with my GN. I trailer over 6000 miles a year, across every kind of terrain the Northwest has to offer including some biga$$ mountain passes. Before I got a GN I hauled the same way in the BP. Honestly, whether the horse was in stall #1 or stall #2, the BP was not as stable as the GN.  

I do see how it would make a bigger difference in a 3horse trailer.  When my friend hauls in her 3 horse, we put her big horse in front and my smaller guy in #2.  #3 goes empty.

I didn't read all the posts on this thread, but most of them.  Here's a "rule of thumb" that I use for BP trailer loading.  Park the vehicle on level ground and measure hitch height before loading.  Load the trailer and measure hitch height.  If you have lost more than  25% of the measurement, you are probably front heavy?  If you have lost less than 10% of hitch height, you are probably tail heavy.  If the truck and trailer look like a "sway back rented mule" then you are front heavy.  If you are driving and the trailer is wagging along behind you, you are tail heavy. 

LOADING A TRAILER IS A BALANCING ACT!!!!  Even if it's an 80K GVW 18-wheeler!  Watched a big rig trailer fold up in the middle like a napkin on a coffee table with paper towels up front, powdered soap in the middle and coffee filters in the back next to the doors.  Guess what?  The insurance company told them to have a nice day.  The trailer manufacturer laughed at the trucking company when they mentioned warranty on the trailer and told them to fire the loading dock supervisor.

Too much tongue weight and you lose steering and front brakes.  You also run the rish of exceeding the weight limits of the hitch and the insurance won't pay you a dime after an accident if they figure out you are too stupid to load the vehicle properly.

Too little tongue weight and the trailer will eventually take control of the truck and you will find the trailer taking you new and interesting places that you never thought you wanted to go!  Because "the tail is wagging the dog" without enough tongue weight on a BP trailer.

It's a balancing act no matter which way you turn the cube.

Happy trails,

deranger

Well that's an interesting "rule of thumb", but I fail to understand this "fixation" on the squat of the tow vehicle.  Proper trailer loading has NOTHING to due with vehicle squat.  The trailer is its own vehicle, with its own proper loading.  This will produce a proper tongue weight, makes no difference what it does to the tow vehicle.....it is still the proper weight.  In this country most trailers rely on the tow vehicle for support, Brenderup comes to mind for those that dont. 

I'll use my truck/trailers as they are prime examples;  900# tongue weight squats the Dmax just a little, it squated the Trailblazer to the bumpstops.  900# is 15% tongue weight, the heavy side of normal for a BP.  According to your logic I need to lighten the tongue weight to haul with the Trailblazer?  NO.  What I need, and used with great results, is a WDH. 

My deckover trailer loaded with the tractor is pushing 2000# tongue weight.  The Dmax squats pretty good, that weight would probably lift the front of the Trailblazer off the ground..........neither of these conditions have ANYTHING to do with the properly loaded trailer, they are vehicle deficiencies.  If I could move the tractor back enough to not squat the Trailblazer, it would be around 3% tongue weight, on the Dmax about 6%.  Care to imagine how that would haul?

Where is Reg when you need him?  He could explain the math better than I can, so I wont try.

All that being said; if you only drive one truck and know about how it squats with a tongue weight and use squat to 'guesstimate' a proper tongue weight for a known weight of trailer, I guess thats a resonable "rule of thumb".  I prefer a Sheline scale when in doubt.

This statement; "insurance won't pay you a dime after an accident if they figure out you are too stupid to load the vehicle properly." is also another internet myth. Being overloaded is no different that driving drunk, or running a stop sign. They will still pay, probably wont renew the contract though.

Edit;

What does breaking a trailer have to do with "balance"?  Sounds like an overload issue to me.

Please try to disagree with courtesy instead of barbed sarcasm.  Sarcasm usually looks good only to the person using it. 

While I have no doubt that I am blunt and to the point, there was no sarcasm intended in my last post.

You're right. . . . . it was just "barbed".

After research early this year on my own trailer problems, I did read something about "balancing act" either in my trailer books or running gear paper work.  But here is some info from the largest axle manufacture straight from the wesite.  DEXTER AXLES.

Tip #11:  It is very important to pull your trailer so that it is running level. If the hitch is too high or too low, the trailer axle(s) may be unevenly loaded and can result in premature tire or axle failure.

Tip #13:  When loading your trailer, make sure enough weight is being carried on the hitch to ensure proper weight distribution and good handling.

Tip #21:  The location of the load on a trailer will affect the ride characteristics. Too little load on the hitch can cause the trailer to wander or sway. Too much hitch load can overload your towing vehicles? suspension.

So in a round about way you are trying to balance the tow vehicle and trailer loaded!

My, my..........did someone get up on the wrong side of the bed this morning?

Dear chadsalt,

F.Y.I., an insurance company is not required by law to pay up when the insured is grossly negligent in the operation of a motor vehicle involved in an accident that is the fault of the insured. Example: "driving too fast for existing conditions" was written on the ticket from losing control and hydroplaning into a ditch. No other vehicles involved and the insurance company didn't pay.  No, I wasn't driving, I was the body shop manager that took the vehicle in for repairs.  They don't have to pay and then fail to renew.  They can drop you on the spot and make you buy state sponsored insurance.

In my old age I've come to understand that a response like yours is usually generated from an overdose of caffeine and too much red meat.  You might want to back off on the coffee?  Just a thought...............

Happy trails,

deranger

Good grief.  Land of the free, home of the easily offended..........

Must make it a lot harder to go through life being that sensitive.

 It is not a balancing act, any weight behind the axles is a greater possibility for instability....no matter what the tongue weight ends up at. 

  Weight behind the axles (no matter the tongue weight) gives leverage to twist the trailer side to side and leverage up and down

If these statements were lawful, the following consequences would be effected: Tens of thousands of horse owners, would not be able to trailer them using the rear most stall in their slant load trailers; millions of boat owners would not be able to haul their rigs with the motors installed; contractors and heavy equipment operators would only be able to use the front partial area of their trailers, which would over load many of the towing vehicles. Utility companies would be unable to deliver and move telephone poles; ATV rental companies would have to limit their loaded rentals by almost half. Many tractor implement dealers could only deliver one tractor at a time. In addition, on a personal note, I would only be able to haul two snowmobiles on my four sled trailer, or haul one carriage on a trailer built to haul two.

Obviously, by the routine success of millions of safely traveled miles, by drivers who routinely violate those "rules", these statements have little veracity.

Properly balancing the load on any trailer is paramount. Hanging any additional weight on the towing vehicle, than is necessary for proper trailer trim, is wasteful and unnecessarily negatively effects the handling characteristics of the towing vehicle. It also adds to increased maintenance issues, with greater wear  of the mechanical components.

Gard

The statements are valid, it is basic physics.  I did not imply that the trailer with weight behind the axle would be unusable...only less stable. 

Your attempt to discredit my statements by dissecting my post to suit your purpose is bad form.  It also makes you appear to be struggling to make your point.

My thoughts exactly, Cowgirl.. I am learning loads from reading this forum.. Many times you all are the only people I have to ask for most of my questions...Even though I have had horses off and on for most of my life, i am always open to new learning experiences.  I've only pulled a trailer (infrequently) for the last 5 years or so.. What little I've learned about that is just by doing it..I am ready for a step up (from 2H str ld bp) in my trailers and start camping with more frequency and travel with my horse to farther trails..  I enjoy talking (albeit via e-mail) to people who have the same interests as I do.  This forum is a socialization and learning place for me... Not a place to thump my chest and declare myself the biggest, smartest, strongest monkey in the tree.. I do not enjoy wading thru all of the pi$$ing matches for needed information.  Everyone has different ways of doing things that may work perfectly well for them.. I can pick bits and pieces off of everyone's information/contribution and come up with something that works for me.  At some point in the next few years, I will trade my Toyota Landcruiser for probably a truck.. I had wanted to buy a 3 horse slant BP (I don't really want a gooseneck) for the extra room for camping traveling with 2 horses.. I realize that it is a bit heavy for my SUV.. However, I will trade vehicles more often than horsetrailers and wanted to buy something to last and with that future goal in mind.

I appreciate everyone's input, but please try to keep it nice..we are all adults here.

Leslie

Leslie,

Very well said and I totally agree with the content of your post.  I particularly agree with logic on vehicles and future use.  I also agree with your statement about "monkey in the tree."  Very appropriate word picture. 

Happy trails,

deranger

Sometimes the pi$$ing matches are necessary to get the info out there.  I lurked here for some time before I registered.  One of the main reasons I started posting a few years ago was the absolute asinine opinion/attitude towards BP's and SUV's (or for that matter towing horses with anything other than a dually) that was so prevalent on this board.  As time progressed, new and more experienced members arrived and pi$$ing matches were held with the so called older 'experts' found on the board.  During these last few years much more useful info became available to people like you who came here looking.  Should you have looked in the time before that; you would have received no help in reference to hauling with your Toyota, 99% of the posters here would have said you were crazy and dangerous for even thinking about it.  I would not even care to guess how much flak I caught for hauling with the Trailblazer.

It takes all kinds to make the world go round.

Good grief.  Land of the free, home of the easily offended..........

Must make it a lot harder to go through life being that sensitive.

Chad, when are you going to learn that when you are talking to yourself in the mirror, don't type what you are saying on these threads.

Just trying to help,

deranger

Chad, when are you going to learn that when you are talking to yourself in the mirror, don't type what you are saying on these threads.

Just trying to help,

deranger

Now youre just being silly.

Why ChadI thought you would never notice!!! 

Thanks so much...........you made my day. 

deranger

Youre welcome.

We have a difference in opinions here as well, but thats fine.  I do not consider the discussions, juvenile or squabbling.  I am not in an uproar, I do not take things personally, nor am I concerned with how I "look" in a chat room.  The information/facts I post can be found and substantiated if one is willing to click beyond a chat room.

Like I said it takes all kinds.

Now, what were we talking about????????

Very interesting thread, I will hold my own opinion and what I have learned and done over the years to myself. Here's some words of wisdom.....

"If God made everyone the same, the world would be a boring place...."

No insults intended or put here, just a quote.

Class!  Class!  CLASSSSSSSSSS!!!!!!!

Now that's better.  We will have no more of these emotional outbursts on this thread or I will give you a time out!  Is that clear?  Class, is that clear?  CLASS, IS THAT CLEAR!?!?!?!?!?!?

Hurumph!  Now that I got that off my chest........I feel a lot better.   Whew! 

(where's that paper bag I breath into when I get too excited?)

wow!

 genebob, these are not my guidelines that I posted earlier.  I don't make guidelines to/for an insurance company.  The information about the insurance company cancelling the policy and refusing to pay for damages to vehicle are correct.  The insurance company decided they would rather have their day in court than fix the vehicle and keep the insured as a customer.  There are lots of factors that steered the insurance company towards the decision they made, but none of them were my guidelines.  In Maryland, there is a state funded auto insurance program called MAIF (Maryland Auto Insurance Fund).  Maybe that's the reason an insurance company in MD can cancel a client and force them to use MAIF?  I also understand what causes accidents.  That's why they call them accidents.  The exception is when "the accident" flies in the face of sanity and the driver is so grossly negligent that the insurance company wants to terminate the agreement/contact on the spot to elminate the possibility of a similar situation taking place in the future and take their chances in front of a judge.  Knowing that after all facts are considered the judge will rule in their favor.  As you well know from working in the insurance industry that it is nothing more than a game of chance.  The odds are always in favor of the house (insurance company).  That's why when you go to Las Vegas and you are taking a run at "the house," they will invite you to leave.  The insurance game is nothing more than legalized gambling.  The insurance company is gambling that you will never have a claim against them for more than you are paying them.  If you don't believe me, take a look at Loyds of London.  They are the largest legalized gambling house in the world when it comes to insurance.  They even insured Greta Garbo's legs........for a while.

deranger

Sounds like genebob and myself should come open an insurance company in MD.  Certainly insurance is a gamble, but if the insurance company can just drop you on the spot and not pay.......

Doesnt sound like much of a gamble for an insurance company doing business in MD.

Sounds like genebob and myself should come open an insurance company in MD.  Certainly insurance is a gamble, but if the insurance company can just drop you on the spot and not pay.......

Doesnt sound like much of a gamble for an insurance company doing business in MD.

I only witnessed an insurance company doing that once in my tenure working as a body shop manager.  I'm sure it's not an every day practice, or there would be no need for insurance companies, just state funded insurance.  I'm sure you would do fine in the insurance businss since you tend to disect every little detail and make sure you are never misunderstood on any point.

deranger