A gap in cover letter car insurance refers to a period when a driver is uninsured or underinsured between policies. This lapse in coverage occurs if there is a delay or gap between when one insurance policy ends and another begins. During this time, if an accident occurs, the driver may be liable for damages out-of-pocket, and any claims made might not be covered by the new insurance policy due to the break in coverage. Maintaining continuous insurance coverage is crucial to avoid such gaps and ensure that you are protected at all times.