No. CART only claim against 3rd party insurer. NCD will be gone. as insurer will put treat the claim as OD (Own Damage)

can.

Yes. But bear in mind no. of days in LOU is calculated by adjuster, who determine how many days is needed to repair the vehicle. even if your car was stucked in workshop due to no sparepart or delayed by workshop for whatever reason it is, adjuster will determine the appropriate no. of days is needed to repair.

For example, your car is stranded in workshop for 30 days due to waiting for sparepart, workshop have many cars to repair etc. But if the adjuster determine the actual no. of days needed to repair your car only needed 7 days, insureres will only pay 7 days of LOU allowance