To follow on from what Stark explained to you, you still keep the cars if they get destroyed as well as long as you have insurance.
The general process is as follows:
- Buy a car
- It gets delivered to your owned garage
- If you are out and about without the car, you can ring your mechanic and he will deliver it
- If you destroy the car, you can pay an insurance premium and get it back
- If someone else destroys it, they pay the premium and you get it back
- If the police impound it - you pay £250 and get it back
The only exception to this rule which may result in you losing a car is if the police impound 1 car, and then you leave the garage with another owned car - the game will warn you saying that your impounded car will be destroyed if you leave the garage.
Its awesome, and a pity you couldn't have the mechanic in SP. The only way an owned car will vanish - is if you sell it
Stark, Gamble, thank you both. Clearly explained.
Why the hell wont the developers do something about the retaining vehicles in single player... annoying.