About
What Drive Cover Digest is
An independent reference website about vehicle coverage terminology. It exists to make policy language readable, nothing more.
Our purpose
Vehicle coverage documents are written in language that assumes the reader already knows the vocabulary. Drive Cover Digest takes the terms that appear on those documents and explains them in plain words, with context about where each term appears and how the sections of a document relate to one another.
The site does not sell anything, does not produce quotes, does not compare carriers, and does not recommend products or providers. It is not an insurance carrier, agency, broker, or advisor, and it does not create a professional relationship with readers.
Topics we cover
Deductibles
A deductible is the amount stated in a policy that a vehicle owner is responsible for before remaining covered costs are considered on a claim.
Liability terminology
Liability wording describes coverage related to injury or property damage a driver may be considered responsible for, and it is usually written as split limits.
Collision terminology
Collision wording generally refers to damage involving impact with another vehicle or object, and policies define the term precisely.
Comprehensive terminology
Comprehensive wording typically describes non collision events, and the specific list of named events varies between documents.
Exclusions
Exclusions are the sections of a document that describe situations, uses, or property a policy states are not covered.
Limits
A limit is the maximum stated amount described for a coverage part, and limits can be written per person, per accident, or per occurrence.
Vehicle documentation
Vehicle documentation covers the records an owner keeps, from declarations pages and ID cards to titles, registration and maintenance history.
Resources you can receive
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Drive Cover Digest publishes plain language reference material about vehicle coverage terminology. It is not an insurance carrier, agency, broker, or advisor, and nothing here is a quote, an offer, or professional advice. Review your own policy documents and speak with a licensed professional for guidance about your situation.