Introduction
CART, or Compensation for Assessed Repair Time, is a daily payment given when your car is in the workshop for repairs after an accident. Many people assume CART is only for comprehensive insurance, but drivers with third-party insurance can also claim CART, as long as the accident was not their fault.
This article explains when and how CART for 3rd party insurance can be claimed, so you don’t miss out on your entitlement.
1. What Is CART
- CART is temporary compensation for the time your car spends in the workshop.
- Payments are usually calculated based on your car’s engine capacity (CC) and regulated by PIAM.
- For comprehensive insurance, CART is offered as an add-on. For 3rd party insurance, CART is only available when a claim is made against the at-fault party.
2. When 3rd Party Drivers Are Eligible for CART
- You were not at fault in the accident.
- The at-fault party’s car is covered by valid insurance.
- CART claims are made through the at-fault party’s insurer, not your own policy.
- Repair duration must be assessed by a registered workshop.
3. Easy Steps to Claim CART with 3rd Party Insurance
- Report the accident to the police and the at-fault party.
- Send your car to the at-fault party’s panel or approved workshop.
- Submit CART claim documents: police report, car information, and accident details.
- The at-fault party’s insurer confirms repair duration and CART amount.
- Receive CART payment for each day your car is in the workshop.
4. Important Tips for 3rd Party Drivers
- Don’t use your own OD claim if the accident was not your fault, as it may affect your NCD.
- Check CART eligibility with the workshop before starting repairs.
- Ensure all documents are complete to avoid payment delays.
- Remember, CART only covers repair time, not extra damage or lost items in the car.
Conclusion
Although CART is commonly associated with comprehensive insurance, 3rd party drivers can still claim CART if the accident was not their fault. By following the correct procedures and submitting complete documents, you can receive compensation for repair time without affecting your NCD or existing policy. Know your rights and ensure every CART claim is handled properly for a smooth claims experience.
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