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摘要

A neighborhood kid, scrambling to catch a football, crosses onto your property and slams into the car parked in your driveway. He suffers a spinal injury and permanent nerve damage. You are the target of a lawsuit. But you're insured, right? Um, not quite. Your homeowner's policy excludes any liability related to an auto. Your auto policy, with a different carrier, doesn't apply because your car was neither in motion nor parked on a public road. "It is very easy to have a gap in coverage," laments independent insurance agent, Rodney Leavitt of Las Vegas' Leavitt Insurance Agency.