{"id":56091,"date":"2025-11-15T19:09:01","date_gmt":"2025-11-15T11:09:01","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56091"},"modified":"2025-11-15T19:09:03","modified_gmt":"2025-11-15T11:09:03","slug":"cart-for-3rd-party-when-you-can-claim","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/cart-for-3rd-party-when-you-can-claim","title":{"rendered":"CART for 3rd Party: When You Can Claim"},"content":{"rendered":"\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-6a0d528f1e830\" 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-6a0d528f1e830\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/cart-for-3rd-party-when-you-can-claim\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/cart-for-3rd-party-when-you-can-claim\/#1_What_Is_CART\" title=\"1. What Is CART\">1. What Is CART<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/cart-for-3rd-party-when-you-can-claim\/#2_When_3rd_Party_Drivers_Are_Eligible_for_CART\" title=\"2. When 3rd Party Drivers Are Eligible for CART\">2. When 3rd Party Drivers Are Eligible for CART<\/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\/cart-for-3rd-party-when-you-can-claim\/#3_Easy_Steps_to_Claim_CART_with_3rd_Party_Insurance\" title=\"3. Easy Steps to Claim CART with 3rd Party Insurance\">3. Easy Steps to Claim CART with 3rd Party Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/cart-for-3rd-party-when-you-can-claim\/#4_Important_Tips_for_3rd_Party_Drivers\" title=\"4. Important Tips for 3rd Party Drivers\">4. Important Tips for 3rd Party Drivers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/cart-for-3rd-party-when-you-can-claim\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>CART, or <strong>Compensation for Assessed Repair Time<\/strong>, 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 <strong>drivers with third-party insurance can also claim CART<\/strong>, as long as the accident was not their fault.<\/p>\n\n\n\n<p>This article explains <strong>when and how CART for 3rd party insurance can be claimed<\/strong>, so you don\u2019t miss out on your entitlement.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_What_Is_CART\"><\/span><strong>1. What Is CART<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>CART is temporary compensation for the time your car spends in the workshop.<br><\/li><li>Payments are usually calculated based on your car\u2019s engine capacity (CC) and regulated by PIAM.<br><\/li><li>For comprehensive insurance, CART is offered as an <strong>add-on<\/strong>. For 3rd party insurance, CART is only available when a claim is made <strong>against the at-fault party<\/strong>.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_When_3rd_Party_Drivers_Are_Eligible_for_CART\"><\/span><strong>2. When 3rd Party Drivers Are Eligible for CART<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>You were <strong>not at fault<\/strong> in the accident.<br><\/li><li>The at-fault party\u2019s car is covered by valid insurance.<br><\/li><li>CART claims are made <strong>through the at-fault party\u2019s insurer<\/strong>, not your own policy.<br><\/li><li>Repair duration must be <strong>assessed by a registered workshop<\/strong>.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Easy_Steps_to_Claim_CART_with_3rd_Party_Insurance\"><\/span><strong>3. Easy Steps to Claim CART with 3rd Party Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Report the accident<\/strong> to the police and the at-fault party.<br><\/li><li><strong>Send your car<\/strong> to the at-fault party\u2019s panel or approved workshop.<br><\/li><li><strong>Submit CART claim documents<\/strong>: police report, car information, and accident details.<br><\/li><li>The at-fault party\u2019s insurer <strong>confirms repair duration and CART amount<\/strong>.<br><\/li><li><strong>Receive CART payment<\/strong> for each day your car is in the workshop.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Important_Tips_for_3rd_Party_Drivers\"><\/span><strong>4. Important Tips for 3rd Party Drivers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Don\u2019t use your own OD claim<\/strong> if the accident was not your fault, as it may affect your NCD.<br><\/li><li>Check <strong>CART eligibility with the workshop<\/strong> before starting repairs.<br><\/li><li>Ensure <strong>all documents are complete<\/strong> to avoid payment delays.<br><\/li><li>Remember, CART only <strong>covers repair time<\/strong>, not extra damage or lost items in the car.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56152\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/cart-for-3rd-party-when-you-can-claim\/attachment\/4-103-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"4-103\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing four easy steps to claim CART for 3rd party drivers, including police report, sending car to workshop, submitting documents, and receiving payment.\" class=\"wp-image-56152\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-103.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Although CART is commonly associated with comprehensive insurance, <strong>3rd party drivers can still claim CART<\/strong> if the accident was not their fault. By following the correct procedures and submitting complete documents, you can receive compensation for repair time <strong>without affecting your NCD or existing policy<\/strong>. Know your rights and ensure every CART claim is handled properly for a smooth claims experience.<\/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 has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=cart-for-3rd-party-when-you-can-claim\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-kemalangan-tanpa-laporan-polis\">Tuntutan Kemalangan Tanpa Laporan Polis<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-driving-without-insurance-or-valid-roadtax\">Risks of Driving Without Insurance or Valid Roadtax<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-save-on-car-insurance-as-a-zero-accident-driver\">How to Save on Car Insurance as a Zero-Accident Driver<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many drivers are still unsure whether they can receive CART using third-party insurance. This guide explains when and how you can claim CART.<\/p>\n","protected":false},"author":31,"featured_media":56153,"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":[1857,429,1378],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CART for 3rd Party: When You Can Claim | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: CART for 3rd Party: When You Can Claim . 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