You should probably trade it in right away.
You should be very concerned and sell it for below wholesale (asking for a friend). He is currently Ramless…
On an Bobisthe oilguy forum, this 2023 post to being 600 pounds over the half ton trucks payload drew this response:
“You'll get the payload police weighing in on this but IMO you're fine especially since you have the common sense to take it slow. The mfg payload ratings are very conservative for light duty pickups due to rollover risk and driver stupidity. As long as you don't have a "Carolina Squat" the truck will carry the load safely as long as the operator is also safety oriented.
Consider the Honda Odyssey minivan, with an 1800 lb payload - much lighter suspension, but the center of gravity (with 7 people plus the luggage) is probably 2 feet closer to the pavement.” (End of copied response).
Now before someone says that you will be liable if you run into someone from a legal standpoint, perhaps so however, your insurance is obligated to defend you unless you did something on purpose (using the vehicle as a weapon for example). There is no “stupidity exclusion” in the policy.
I was a bodily injury adjuster for 9 years for a national company and many times had to pay out due to our insureds rather stupid decisions. We never weighed a persons vehicle, checked for proper brakes or lights.
Now the underwriters would cancel any future coverage but nothing precluded handling the claim. If you are wondering, read your policy, which mostly no one ever does.
Here’s a portion of a general liability insurance article that explains some of it.
Source: freeadvice.com website,
Written by
Jeffrey Johnson
Insurance Lawyer
“An “exclusion” is a statement in an insurance policy which describes a condition or type of loss that is not covered by the policy. An exclusion is an exception to the general statement of coverage contained in the policy.
For example, an auto liability policy typically states that it will pay damages for bodily injury or property damage for which an insured becomes legally responsible because of an auto accident.
The same policy typically would have “exclusions” that provide, for example, that there is no coverage if the injury is caused intentionally or if the injury is caused by a person who uses an insured vehicle without permission.”
Without going into the weeds, your truck is probably just fine and you need not be concerned with occasional overloading.
Back in the day we used to determine when to stop loading our truck when the bias ply tires got to a certain degree of “flatness”.
) once worked for a new home builder. 
