What Is Class D Car Insurance? 
Insurance companies do not write Class D insurance . Depending upon the state and the underwriting of the individual companies , they may offer insurance on Class D cars . A class D car is one that has been declared a total loss , repaired and returned to service . The title for the car states this . Coverage is usually available for public liability and property damage . It is more difficult to find coverage for physical damage -LRB- Comp and collision . -RRB- 