What are "gaps in coverage" in relation to a Personal Auto Policy?

Gaps in coverage refer to scenarios where a Personal Auto Policy does not offer certain types of protection that might be expected or necessary. This can occur when specific incidents, damages, or liabilities are explicitly excluded from the policy or when the coverage limits are insufficient to meet the needs of the policyholder. Understanding gaps in coverage is essential for individuals to identify areas where they may need additional insurance or riders to ensure comprehensive protection, particularly in situations such as theft, certain types of accidents, or liabilities that fall outside standard coverage. Recognizing these gaps allows policyholders to make more informed decisions regarding their auto insurance needs.