'Incomplete' Insurance Coverage

Abstract

This Article examines the ways in which insurance coverage is incomplete, and the reasons why coverage is incomplete. It argues that, because all insurance policies and all insurance coverage is incomplete, the notions of a “gap” in coverage and “incomplete” coverage typically are unhelpful. A better understanding of the reasons for incomplete coverage would enrich the interpretation of insurance policies and produce more informed resolution of coverage disputes. The Article seeks to provide that understanding.