I don't mind going over the recommended payload on my 1/2 ton truck a little (from time to time).
Get the truck better set up to carry the extra weight.
Add some air bags, or stiff over-load springs.
Add a good set of D or E rated tires.
Etc. Etc. Etc.
But if I start bending the truck frame, I'm gonna sell that truck ASAP and get a 3/4 ton truck.
If you ever get in an accident, you might want to kiss it all goodbye.
Most any lawyer will take that case.
I don't think any insurance company would cover you if you have over loaded the truck that much.
I doubt they will pay out if they can find a reason not to.
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