Do car insurance companies offer liability insurance for cars being restored in New York?

I purchased a fixer-upper that I'm planning on restoring. The only time it's going to be on the road until the restoration is when I transport it on a flatbed. Do I need liability insurance? Or do any companies offer liability insurance on car restorations?

Answer
“Unfortunately, you won’t be able to find a policy to cover just the transportation of the vehicle to your home, nor will you find insurance specifically for a restoration.
However, you do have a window of time where you could possibly restore the car without having insurance. In New York, you have 180 days to register a vehicle and must present proof of insurance to do so.
Since the car will be in your garage, you can probably get away with not having insurance, provided that you can make all the restorations in six months. At that point, you’ll have to purchase liability insurance.
If the restoration isn’t complete, the state-minimum liability insurance should suffice until you get the car road-worthy.”
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Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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