{"id":33837,"date":"2022-07-18T10:00:22","date_gmt":"2022-07-18T02:00:22","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=33837"},"modified":"2022-07-18T12:50:19","modified_gmt":"2022-07-18T04:50:19","slug":"understanding-cart-in-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance","title":{"rendered":"Understanding CART in Car Insurance Policy"},"content":{"rendered":"\n<p>If you have been in an accident, you may expect your car to be stranded in the workshop for a few days. Or worst, a month, depending on the severity. It can be super inconvenient for you to move around. In this case, having additional <a href=\"https:\/\/bjak.my\/blog\/additional-coverages-for-car-insurance\/#Compensation_for_assessed_repair_time_CART\">CART coverage<\/a> on top of your <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Comprehensive_insurance\">comprehensive policy<\/a> is useful to cater to your need. <\/p>\n\n\n\n<p>How can it be advantageous to you? Read on as we explain more in detail.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69e355c507474\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e355c507474\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/#What_does_CART_means\" title=\"What does CART means?\">What does CART means?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/#Two_types_of_CART\" title=\"Two types of CART\">Two types of CART<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/#TYPE_1_Additional_coverage_for_comprehensive_policies\" title=\"TYPE 1: Additional coverage for comprehensive policies\">TYPE 1: Additional coverage for comprehensive policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/#TYPE_2_Claim_against_the_third-party_insurer\" title=\"TYPE 2: Claim against the third-party insurer\">TYPE 2: Claim against the third-party insurer<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/#Who_determines_CART\" title=\"Who determines CART\">Who determines CART<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/#How_to_claim_CART\" title=\"How to claim CART\">How to claim CART<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/#Benefits_of_CART\" title=\"Benefits of CART\">Benefits of CART<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/#Purchase_additional_CART_coverage\" title=\"Purchase additional CART coverage \">Purchase additional CART coverage <\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_does_CART_means\"><\/span>What does CART means?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"33906\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/attachment\/photo_6235491180724989908_y\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo_6235491180724989908_y\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"CART car insurance\" class=\"wp-image-33906\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_6235491180724989908_y.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/additional-coverages-for-car-insurance\/#Compensation_for_assessed_repair_time_CART\">Compensation for Assessed Repair Time (CART)<\/a> is a reasonable amount payable by third-party insurance companies as compensation for loss of use of the vehicle.<\/p>\n\n\n\n<p>It is determined based on how long it takes to repair your car damage in the workshop. The repairing work may consume a period depending on the severity. As a result, they may require a day, a week, or even a month to complete repairing your car.<\/p>\n\n\n\n<p>You may be inconvenienced without your vehicle. Therefore, you have the right to claim CART against another party&#8217;s insurance as you are not the party at fault in the&nbsp;accident.<\/p>\n\n\n\n<p>The compensation you receive serves to reimburse you for alternative transportation options and other adjustments you had to make during that time.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Two_types_of_CART\"><\/span>Two types of CART<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"TYPE_1_Additional_coverage_for_comprehensive_policies\"><\/span>TYPE 1: Additional coverage for comprehensive policies<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The first type of CART is purchased as additional cover only for <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Comprehensive_insurance\">comprehensive policyholders<\/a>.&nbsp;<strong>Y<\/strong>ou can claim CART regardless of if you are at fault or not.<\/p>\n\n\n\n<p>Most&nbsp;insurance providers&nbsp;offer a selection of different packages, and factors to choose from include:<\/p>\n\n\n\n<ul><li>Amount to be paid per day (usually up to RM200 per day).<\/li><li>Coverage days (from 7, 14 to 21 days or more).<\/li><li>The premium usually will cost around 10% of the aggregate sum.<\/li><\/ul>\n\n\n\n<p>Example of a case:<\/p>\n\n\n\n<p>Diana has insured your car and purchased CART, where she opts for a 7-day plan at RM100 per day.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">PERIOD OF INSURANCE<br>(1 JULY \u2013 31 JUNE 2021)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Number of days covered<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amount covered per day<\/td><td class=\"has-text-align-center\" data-align=\"center\">Total sum insured<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Compensation for Assessed Repair Time (CART)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM100<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM700<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Additional Premium<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM700 x 10% = RM70<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>During the policy period, her car participates in an accident (March 2021). As a result, she has to send her car for repair at a workshop. The claim adjuster\u2019s assessment of her car repairs will take 5 days. Here is the calculation of how much she will be compensated:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td class=\"has-text-align-center\" data-align=\"center\">Number of days covered<\/td><td class=\"has-text-align-center\" data-align=\"center\">The amount covered per day<\/td><td class=\"has-text-align-center\" data-align=\"center\">Assessed repair time (number of days)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Loss of use allowance payable (RM)<\/td><\/tr><tr><td>Your cart add-on<\/td><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM100<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM700<\/td><\/tr><tr><td>Accident <br>(March, 2021)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM100<\/td><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM500<\/td><\/tr><tr><td>Your cart add-on balance<\/td><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM100<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Based on the above table, she has used 5 days in your CART cover. Therefore she has 2 days left in your CART cover. She can claim the remaining 2 days in the event of any future accidents. <\/p>\n\n\n\n<p><em>*Note: The total number of days is refreshed upon policy renewal as well, keeping you covered under each new policy.<\/em><\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"TYPE_2_Claim_against_the_third-party_insurer\"><\/span>TYPE 2: Claim against the third-party insurer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You are entitled to claim under this type of CART. However, it is only applicable provided you are not at fault and you are claiming against the third-party insurer. In addition, there is no additional charge for premium. <\/p>\n\n\n\n<p>The <a href=\"https:\/\/piam.org.my\/motor-insurance\/\">standardised scale of daily CART specified by PIAM<\/a> for personal vehicles, commercial vehicles and motorcycles:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"33900\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\/attachment\/photo_2021-11-08-08-43-29-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo_2021-11-08-08.43.29-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-33900\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/photo_2021-11-08-08.43.29-1.webp?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Based on Diana&#8217;s case example, she would only be compensated RM 150 to RM 250 (depending on the cc of her car) by the third-party insurer.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Who_determines_CART\"><\/span>Who determines CART<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Generally, it will be determined by the estimation of the appointed claims adjuster. <\/p>\n\n\n\n<p>A claim adjuster is&nbsp;a highly trained insurance professional whose primary role is to represent insurance companies by determining the financial loss a customer has suffered after a claim has been filed.<\/p>\n\n\n\n<p>After your car is submitted to the workshop (usually <a href=\"https:\/\/bjak.my\/blog\/insurance-panel-workshops-in-malaysia\/#What_is_a_panel_workshop\">panel workshops<\/a> acknowledged by that&nbsp;insurer), the adjuster will estimate how long the workshop should take to finish the repair and determine the days of CART to pay.<\/p>\n\n\n\n<p>The adjuster will estimate that and recommend the insurance agency. However, the exact sum you receive might depend on your insurance policy\u2019s specifics. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_claim_CART\"><\/span>How to claim CART<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Type 1<\/li><\/ul>\n\n\n\n<p>You may submit your <a href=\"https:\/\/bjak.my\/blog\/car-insurance-claims-in-malaysia\/#Car_insurance_claims_process\">claim process<\/a> as part of your <a href=\"https:\/\/bjak.my\/blog\/how-to-claim-own-damage-claim\/\">Own-Damage<\/a> claim or <a href=\"https:\/\/bjak.my\/blog\/insurance-claims-what-is-knock-for-knock-agreement\/#:~:text=The%20knock%2Dfor%2DKnock%20agreement,done%20to%20their%20policyholder's%20vehicle.\">Knock-for-Knock<\/a> claim.<\/p>\n\n\n\n<ul><li>Type 2<\/li><\/ul>\n\n\n\n<p>You may submit your <a href=\"https:\/\/bjak.my\/blog\/car-insurance-claims-in-malaysia\/#Third_Party_claim\">claim to the third party\u2019s insurer<\/a>. However,&nbsp;you must not be at fault party.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_CART\"><\/span>Benefits of CART<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Financial assistance (expenses &#8211; transportation fares, rental of a replacement vehicle during the duration of repairs, etc)<\/li><li>No limit to the number of CART claims made provided the total number of days claimed does not exceed the cover purchased<\/li><li>Any claim under this endorsement shall not affect the No Claim Discount entitlement<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Purchase_additional_CART_coverage\"><\/span>Purchase additional CART coverage <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>CART is beneficial where you may use the compensation to cover the cost of car rental or taxi fares while your car is in repair. <\/p>\n\n\n\n<p>Therefore, you may want to consider purchasing CART coverage in your comprehensive plan policy. However, note the additional premium you have to pay for CART varies across insurers. We advise you to please check with your preferred insurer before purchasing.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><strong>Bjak is&nbsp;one of Malaysia\u2019s largest car insurance comparison platforms&nbsp;that offers 15 insurance brands. Get&nbsp;<a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free car insurance quotes online<\/a>&nbsp;at Bjak.my and&nbsp;<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-car-insurance\/#Renew_car_insurance_online_through_insurance_comparison_sites\">renew your car insurance online<\/a>&nbsp;in just 5 minutes.<\/strong><\/em><\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogms\">Get A Quote<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Also read:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/additional-coverages-for-car-insurance\/\">Additional Coverages For Car Insurance<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/\">Types of Car Insurance Policies<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-claims-in-malaysia\/\">Car Insurance Claims in Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/how-to-claim-own-damage-claim\/\">How To Claim \u2018Own-Damage Claim\u2019<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurance-claims-what-is-knock-for-knock-agreement\/#:~:text=The%20knock%2Dfor%2DKnock%20agreement,done%20to%20their%20policyholder's%20vehicle.\">Insurance Claims: What is Knock-for-Knock Agreement?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurance-panel-workshops-in-malaysia\/\">Insurance Panel Workshops in Malaysia<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Should you opt for additional CART coverage? How will this add-on coverage be beneficial to you?<\/p>\n<p>Read this article to learn more about CART. <\/p>\n","protected":false},"author":7,"featured_media":33905,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,1378,59,1073],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding CART in Car Insurance Policy | BJAK<\/title>\n<meta name=\"description\" content=\"Should you opt for additional CART coverage? How will this add-on coverage be beneficial to you? Read this article to learn more about CART.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-cart-in-car-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding CART in Car Insurance Policy | BJAK\" \/>\n<meta property=\"og:description\" content=\"Should you opt for additional CART coverage? How will this add-on coverage be beneficial to you? 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