What if you are hauling stuff in your car and get in a wreck and the items are broken Will your insurance pay for the items?

If you have receipts for things like TV, cameras etc. you may recover depreciated value .If you have groceries spoling or all over the road, get pictures. Keep a little disposable camera in the glovebox, from now on. If your car being overloaded and/or blocking your vision was a contributory factor to the accident, forget it .