I have taken calls from people that want to use a standard load tire on their truck or sport utility when a higher load range is required. Based on the specs they read, they assumed they would carry the load. That was not the case.
LT (light truck) tires are designed around the same basic rules as commercial tires. They have sufficient reserve capacity factored into the formulas used to designate their max load capacity.
P-metric and Euro metric tires, however, are not designed using the same set of rules. Their sizing system is designed for use on personal use vehicles which are normally less likely to be overloaded compared to a truck or commercial vehicle.
When looking at the max load of P-metric or Euro metric tires being used on light truck type applications (full size van, SUV, pickup truck, minivan, etc) the tire's max load must be reduced by 9%.
It is always best to stay with the vehicle manufacturer's recommended load range even if you don't plan to carry a lot of weight. Our website will filter out the incorrect load range options when you enter your vehicle prior to searching.
More info can be found here.