I'm preparing to send one of my cars to a restoration shop. I've got their agreement here, and it says they cover liability on it while it's in their possession, but that I should also cover it to have "the best chance to recoup your full investment in your car".

It kind of seems to me like language that his insurance company requires so they can share liability with my insurance.

If it was your car, would you go ahead and insure it? It's nowhere near finished; I expect at least 6 months until I get it back. I've got about $30k in the car and parts so far, but never felt like I needed insurance because it's all safe in my garage.

(It's a reputable tax-collecting (ouch) shop with employees, not some dude working in his garage on weekends)

Thanks!!