reportedwhat in GTA Online found another critical bug. It is connected with the disappearance of insurance for some personal vehicles. No pattern was found – this can happen with any vehicle that can be insured and stored in garages. The absence of an insurance policy means that destroyed and broken vehicles simply will not be restored. Therefore, we advise you to check all your models before use. While in the garage, press the Z key if playing on PC, the information will indicate if there is insurance. You can restore it in any car repair shop in the city in the “Prevention of damage / theft” section.
Source: gta.com.ua