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Given that most classic & collectible cars spend far more time ensconced in (often custom-designed) garages than they do cruising through traffic, it should come as no surprise that many claims stem from incidents that occurred on the insured’s own property.

“Many claims have nothing to do with collisions, but are related to storage issues—something falls in the garage or there’s flooding or rodents or a hazard from construction going on next door,” says McKeel Hagerty, CEO of Hagerty Insurance—who also knows of a claim related to a horse getting loose in an insured’s garage (no word if the damage was to a Mustang).

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