After reading my (jorb) above reply I realized I was using the wrong terminology.
Instead of liability coverage, what I meant to say was comprehensive coverage.
Which means; "Other Than Collision" covers damage to your vehicle caused by
an event other than an impact or collision such as fire, theft or vandalism.
Example; if you hit a deer, it's a comprehensive loss. If you miss a deer and wreck,
then it is a collision loss and would not be covered unless you carried collision.
Frequently-asked-questions - Does Hagerty write coverage for comprehensive only? Click on 4th plus + sign.
Yes. "Comprehensive only" (other-than-collision) coverage is available
when a car is undergoing restoration, part of a display (such as in a museum)
or placed in long-term storage. Hagerty also offers coverage called Limited Trailer
Paddock that provides collision coverage while your vehicle is trailered.
I wonder what the definition of
long-term storage is?
Another option.
Vehicle Under Construction coverage. Insurance Primer A Crash Course in Collector Car Insurance (The above previous reply error has been corrected
to reflect this reply)
