There have to be a billion covers like this, particularly recently. Here are three that stand out to me without even having to try looking hard:

Sovay by Celia Rees was published October 2008 by Bloomsbury USA. She’s getting ready to cover her mouth with her collar (a turtleneck shirt collar or a scarf – it’s not entirely clear to me).

Shrinking Violet by Danielle Joseph was published May 2009 by MTV publishers. Clearly, she’s covering her mouth with her shirt collar in this one. And perhaps this is the same model from another angle — you know how if you go into stock images, many offer similar images, this seems like one of those “similar images”:

At Face Value by Emily Franklin was published in October 2008 by Flux.

Know of any others? I like the last cover best, probably, but all of them follow the theme. At least these are a little more memorable on their own.