...Will my State Farm insurance total it? I was backing the trailer in to load the boat, and when I hoped out I realized I had accidentally went down too far on the shifter into neutral, so the door shut and I was already half way across to my boat when I realized it was going down. It was completely submerged and running. Of course it died, and the tow truck driver said it wouldn't start so don't even try. Had anyone had any experience with this?