Good luck when you get into an accident with your teardrop trailer, rv camper or even motorcycle trailer and you find out your insurance company won't pay it because you were over your tow capacity (if you even had any) with or without e-breaks.
Short of doing something criminal, you will always get covered by your insurance policy in this situation. But they will drop you like a hot potato the moment they cut the check. Insurance covers stupidity at least once.
They will cover your liability to others but there is a good chance they won't cover your losses other than medical unless mandated by the State's Department of Insurance regs. I am only talking about the US based P&C here.