Insurance translator for drivers who find out what's covered at the body shop

Auto insurance documents read like ancient cryptic scrolls engineered to keep you in the dark. You're shelling out $200+ monthly for protection you can't decipher, only uncovering devastating blind spots when you're standing at a body shop learning that your so-called "full coverage" is anything but. Coverage Check ingests your current insurance paperwork and translates it into clear, everyday language anyone can grasp. Upload your policy PDF and instantly see what's protected, what isn't, and where you're either overpaying or dangerously underinsured. The platform catches coverage holes before they turn into $10K nightmares. It demystifies deductibles, liability caps, and exclusions using words actual humans use — not the deliberately opaque jargon insurers hide behind. You can also measure your existing plan against what drivers in your situation actually need, then receive tailored suggestions for stronger protection at a lower price. The build starts with a web interface for policy PDF uploads. AI extracts and parses the document text, pinpointing critical sections — coverage ceilings, exclusions, deductibles, and premium details. A carefully designed prompt transforms this structured information into plain-English summaries, highlighting frequent pitfalls like "no rental vehicle coverage" or "your collision deductible looks unreasonably steep." A lightweight database (Supabase or Firebase) stores anonymized policy information to develop comparison benchmarks as the user base grows. Pricing is $9 for a single policy upload delivering instant clarity, or $49/year for unlimited translations plus proactive coverage notifications when your policy shifts or new gaps emerge. The initial audience is frustrated vehicle owners venting in Reddit insurance threads, Facebook groups griping about rising premiums, and the people searching "what does my car insurance actually cover" at 11 PM after opening their renewal letter. Once a user trusts you to decode their existing plan, you can expand into rate comparison features that surface better deals, claims walkthroughs that prevent them from getting shortchanged, and premium negotiation scripts with proven results. Every bewildered car owner represents a potential customer — and bewilderment is the default condition for 200+ million American drivers.

What you get with the full dossier