As long as it's close it's fine. The load indexes specified are very pessimistic and you would probably have to fill your car with 5 adults and a trunk full of lead before it became any kind of problem.
i have seen and run tires with not enough load index as well, never had a problem. i can't say it will never have problems, but personally i haven't seen friends with these tires having blow out or related problems
Yes, I drove it. The great feeling of boiling blood.
I am on 245/30/20's up front and they are not indexed high enough for the load as well. So far so good. Although I did have a set of Falken FK452s that the tread separated on. That was a bit scary.
2010 LEXUS ISF / F Sport rear Sway Bar / Michelin PSS
The ISF......The perfect car for an enthusiast. It can be driven to the track, run hard all day , and then transport me hundreds of miles to my home in luxury and comfort to pick up the wife for dinner and a movie....
In theory a lower load index tyre should have a slightly higher pressure to compensate.
(The effective load bearing capability of a tyres increases with pressure. Up to a point). Tyres have an easier life at higher pressures and will last longer; with the downside of comfort and perhaps grip.