While returning from a fishing trip on Sunday I had an accident in which my boat was catapulted from the trailer! Thank God no one was injured or damaged other than my boat motor and trailer. I called my insurance assist line and a wrecker was sent to recover the boat, on Monday when I called to see what to do next the sad truth became evident. I had failed to renew my insurance coverage, totally my fault,the renewal form lost in the mail? an oversight on my part? the sun was in my eyes? I don,t know. It is easy to forget those once a year things we are all so busy. Lesson is call your agent and check to make sure you are covered NO your auto coverage may not protect you. Hope someone gets benefit from this it set me back about 10K.