Due to the big differences in the 2500/3500 structures that Should NOT apply,
...denied his BC the trailer weight 4000+LBS more then the door sticker and tires allowed. he's fighting it but I'm sure he's going to loose and legally should.
Couple of things... in 2011 the only difference between the 2500 and 3500 was the suspension. 2013 was the only year with major structural differences between the 2500 and 3500. 2014 was back to both vehicles possessing the same frame, axles, engine, transmission, wheels, tires, brakes, bearings, etc. The only difference is coil vs leaf... but the coils are rated to 6500 lbs and the leaf are rated to 7000 lbs... hardly explains a 2,500 lbs difference between vehicles.
Your friends insurance was denied because he was over his TIRE RATING... not an arbitrary sticker placed by the manufacturer for warranty ratings. 4000 lbs over tire rating is insane! Seeing as to how most E rated tires are rated for around 3200 lbs at full pressure, that is a combined 12,800 lbs tire rating. Your friend was at 16,000 lbs in a 3/4 ton truck, in other words he had almost 9000 lbs of cargo??? I almost don't believe it, but I guess anything is possible.
Just to wrap your head around legality... my last truck as a Tundra with a 7200 lbs GVWR. In Maryland you can register to 7000 lbs or 10,000 lbs. If I registered to 7000 lbs, I would have lost 200 lbs of payload capacity. I didn't want that. Instead I registered for 10,000 lbs, with LEGALLY gave me another 2800 lbs of payload. I had E rated tires that allowed a maximum of around 12,800 lbs. If I loaded my half ton truck up to 10K lbs, I would have been perfectly LEGAL to carry 10K lbs. A cop couldn't cite me... insurance couldn't deny me... but Toyota could have easily denied the warranty work when I blew up my rear axle and the frame bent in half.
You see... that placard is for WARRANTY work, it has NOTHING to do with legality or safety. It is a compromise between marketing, legal, accounting and engineering. What is the highest rating we can give, with the least worry about catastrophic failure, that will provide the lowest number of warranty claims and is structurally sound. There is a reason that Ford was able to increase their tow ratings and payload ratings in the late 2000's without any major modifications to their vehicles. GM and Toyota had higher ratings, so marketing was able to push for higher numbers that were accepted by legal, accounting and engineering.
Ram rated the axles on the 2500 series trucks to carry a far greater weight than just 10K lbs. It is cheaper to use the 3500 parts and de-rate them on paper to meet the Class 2b rating that it would be to engineer a weaker component that was only capable of the 10K lbs rating.
I am not advocating for buying the wrong tool to get the job done... but the OP already has a 2500, so it doesn't make sense to buy a new truck just to take away the arbitrary 10K lbs rating. The truck is mechanically identical, with the exception of slightly softer rear suspension.