Introduction
Many car owners face delays when claiming CART (Compensation for Assessed Repair Time) because they submit incomplete documentation or their workshop processes paperwork slowly. This article explains how to avoid problems when claiming CART for your car, including steps you can take to ensure a smooth and fast claims process.
1. Check CART Limits and Policy Conditions
Each insurance company has different CART limits and conditions:
- Total CART days allowed
- Daily CART payment rate
- Eligibility criteria for claims
Many customers encounter issues because they are unaware of their policy’s exact limits.
Tip: Review your policy first and make sure the workshop knows the eligible CART period.
2. Ensure the Workshop Conducts an Early Assessment
One major reason for delays is that workshops submit reports to adjusters late. The workshop should:
- Conduct an initial damage inspection
- Prepare a repair cost estimate
- Submit the report to the insurer for approval before starting repairs
Tip: Remind the workshop to submit the pre-repair estimate as early as possible to speed up the CART process.
3. Complete All Related Documentation
Complete documentation makes the claims process faster. Make sure you keep:
- Police report copy (if applicable)
- Photos of the damage
- Repair cost estimates from the workshop
- Invoices or receipts for repairs
- Approval letters or instructions from the insurer
With all documents ready, the adjuster won’t need to request information again, and the claim process becomes much quicker.
4. Understand How CART Days Are Calculated
Many customers get confused when the CART payment doesn’t match the time their car spends in the workshop. Insurers typically calculate CART based on:
- The day the car is delivered to the workshop
- The day the workshop receives approval from the adjuster
- The actual days of repair
Tip: Ask the workshop about how CART days are calculated to avoid misunderstandings.
5. Maintain Clear Communication With the Workshop
Delays often occur when the customer is unaware of their car’s status. To prevent this:
- Follow up with the workshop every 2–3 days
- Request regular updates on repair progress
- Keep records of communication (e.g., WhatsApp or email)
Consistent communication helps ensure your claim isn’t stalled without your knowledge.
6. Use an Easy-to-Reference Insurance Platform
Platforms like BJAK help customers:
- Access digital copies of policies
- Quickly check CART eligibility
- Follow step-by-step guidance when the car is in the workshop
- Get Customer Success support if issues arise
This reduces the risk of mistakes or missing policy conditions, making the claims process smoother.
Conclusion
Customers avoid CART claim problems by understanding the basic procedures, completing all necessary documents, and making sure the workshop follows the correct process. Taking these simple steps not only saves time but also ensures your CART claim for your car proceeds smoothly without extra stress.
Read More:
Know Your CART Rights – How Many Days In The Workshop?
Car Modification Risks on Insurance
Comprehensive and Third-Party Car Insurance: Clear Comparison
