Lucy purchased her current auto, watercraft, homeowners, and personal umbrella policies through Errol, an independent insurance agent. Errol was able to keep Lucy's overall costs down by placing policies with three different insurers. When one of them increased the renewal premium on her auto policy, Lucy went to the Internet and located an auto policy that will save her at least 15 percent. What serious coverage gap is she likely to create by purchasing the low-cost Internet policy?