Will A Cat D Car Affect My Insurance? 
The short answer is it can . When buying a used car that has undergone some type of damage , the previous insurance company that paid out the claim will rate the damage on a scale of A - F. Here , D means the vehicle was involved in some type of serious collision . Here is the hypothetical where it could seriously effect your insurance . Lets say you buy a category D car . Lets also say you do not have it inspected by a certified dealership or certified mechanic before the purchase . Lets further assume there is chassis that goes unrecorded by a pre-purchase inspection . Now , while driving your new car you get into an accident and make a claim . The insurance company will take the position that any serious damage was there before you bought the car and a result of the previous accident . However , if we remove the assumption that you did not get an inspection , you can show the inspection to your current insurance company and get all of the damage related to your current accident covered by your claim . I hope this makes sense and helps . 