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The statement regarding cargo loading that is true is that state laws dictate legal weight limits. These limits are established by state regulations and can vary from one state to another, reflecting the unique needs of each region's roads and infrastructure. Furthermore, these laws help ensure safety on the roads by preventing overloaded vehicles, which can be dangerous and lead to road damage.

While federal regulations do influence cargo loading, especially for interstate commerce, it is the state laws that primarily set specific weight limits that drivers must adhere to within their jurisdictions. This ensures that all vehicles comply with the local regulations governing road use and vehicle capacity.

The other statements do not capture the full regulatory landscape surrounding cargo loading, as some imply a lack of regulatory framework or suggest that weight limits are uniform across all states and vehicle types. Understanding the role of state laws in this context is vital for adhering to safe and legal shipping practices.