On Apr 17, 11:52 am, gatt wrote:

Tell it to the insurance company or your passengers if you prang the
landing because, say, you've never carried passengers in the back of a
C-172 before and, say, you hit a windshear on final.

Knowingly taking off over gross invalidates any insurance.
Hurt or kill a passenger and see what the judge has to say about it.

Dan