: Buy the Full Coverage option. It is also highly recommended to buy a Tracker simultaneously so the car appears on your map and can be stored in your garage.
Once a vehicle is insured, it can be recovered if it is destroyed or lost: how to buy insurance gta 5
If you have a stolen car or an uninsured personal vehicle, follow these steps to secure it: : Buy the Full Coverage option
: Choose the vehicle you want to recover. If you destroyed it yourself, you will pay a small deductible; if another player destroyed it, they are charged the fee, and your replacement is free. you will pay a small deductible