Thanks for all the help. My agent also said she would appeal. But, I am definitely going with someone else on the boat. The moral to this story is don't back your trailer down the Shell Knob bridge ramp when the lake is 10 feet low and your Buddy says "You're OK, OK keep on comin." That concrete gets awfully soft toward the bottom. The tire dropped off till the trailer frame stopped it. We pulled it up, moved over, launched and went fishin anyway of course. However, the reloading did not go so well. Flat tire, collapsed trailer frame, dented boat and tow truck ride back home. And thus a claim to State Farm for reparations and subsequent cancellation.