Despite federal and state regulations designed to protect the public from the consequences of overloaded or improperly loaded trucks, the problem still exists. Human error and pressure to transport as much cargo as possible with the fewest runs in the least amount of time are the primary reasons overloaded and poorly loaded cargo continue to cause truck accidents. Here are six ways that this problem causes accidents that impact both truck drivers and the public: Braking problems – An overloaded truck requires more distance to stop which can lead to.