Improperly loaded 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 Improperly loaded cargo: Answers Can be safer than properly loaded cargo. Can be a hazard. Can improve fuel efficiency. Explanation Cargo that is improperly loaded or secured is a significant hazard to the driver, as well as others on or near the road. This questions appears in the following tests: Virginia Class A Knowledge Test Virginia Class B Knowledge Test