But full coverage may not mean full coverage, as some Ohioans are finding out the hard way.

According to MSNBC, some families are encountering a gap in their auto coverage called the “intrafamily exclusion.” This loophole allows insurance companies to deny coverage for passengers in the car suffering personal injury, if the driver of the vehicle caused the car accident. Without this exclusion, underinsured or uninsured motorist coverage would normally pay the medical bills associated with the car accident.

A family from Allen County, Ohio discovered this gap in coverage after the father caused a car accident, causing one of his children to lose her life and the other two children to suffer personal injury. Under the intrafamily exclusion, the insurance company only paid the $5000 medical payments coverage – not nearly enough to cover the cost of the medical bills, let alone provide compensation for a young life lost.