I've noticed that if your car gets like permanently damaged in V, it's gone for good. You have the impound that covers losing your car in a cop chase, driving it into the water, etc. But if your car is destroyed in any possible way involving fire, it's gone... just gone. If it explodes it is gone.
Mors covers this in Online. Why couldn't we have this for SP, I mean it is annoying when we lose our cars in a fire in SP. It seems pretty sh*tty. DLC? Wishful thinking? Who else agrees?