Overloading a vehicle with cargo: Do you currently have car insurance? Insurance is mandatory to drive in Ohio Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question Overloading a vehicle with cargo: Answers Usually has no effect on the vehicle. Can impact steering and brake control. Can impact the cooling system. Explanation Overloading a vehicle can damage the vehicle, as well as create handling issues for the driver. Steering, braking, and speed control can be difficult in an overloaded vehicle.