Don't tell us - tell the insurance company and police if you have accident while towing. Lets just say the accident is totally unrelated to the towing, but the cop starts looking at the tow weight that will get interesting.
Funny you mention this. I have my car trailer inspected each year (state safety inspection) at a local RV Dealership. Last year I got to talking with the state certified inspection tech about trailer safety, etc. He told me that the local Pennsylvania State Troopers OFTEN come into their dealership to get trailer weight information. This information is ALWAYS included in their trailer accident investigations. It is also used to determine if the driver of the tow vehicle is cited for violating applicable laws and assessing points & fines.
Lots of states also have the troopers outfitted with "scales" so they can get your tow weight. If you exceed have fun and enjoy.
Heck, the local township I live in (in Eastern Pennsylvania) sets up a weigh/inspection station at LEAST once a MONTH in the Spring/Summer/Fall months.
When in operation, ALL commercial trucks and ALL vehicles pulling a trailer (travel, car, landscape, etc) are REQUIRED to submit to inspection and weighing.
During said inspection the trailer is weighed, current registration, insurance and safety inspection stickers are checked and the condition of the tow vehicle and trailer are also checked. If they find something wrong they make you park your rig and issue you fines. In some cases one is not permitted to move one's rig unless it is brought into compliance with the law. If it requires repairs or inspections the rig must be towed away by a towing service.
BTW, I have had to go through this weigh/inspection station with my 4Runner & Car Trailer so I have first hand experience with this.
I love the attitude that the use of the vehicle isn't going to affect what vehicle you drive
That amuses me also. Just like some people who tow good sized trailers with the state minimum insurance coverage. When they have an accident, have state minimum insurance coverage and get sued for a HUGE amount of money then it REALLY gets amusing. My insurance agent told me once of a client he had that lost a lawsuit for more than his coverage. He spent 17 YEARS paying off what the other injured party was awarded from the lawsuit. During that time he was also not allowed to own a vehicle or drive one. Oh, BTW, that was after he had to sell/liquidate ALL his assets and turn that money over to the other injured party.
It is no wonder why more than a few people I know that tow trailers have Umbrella Insurance Policies. They all know that when a tow vehicle pulling a trailer gets into a serious accident it can get VERY ugly and VERY costly.