This problem can be approached with binomial expansion.
Lets call r= repair needed (probability 0.2) n= repair not needed (probality 0.8)
The probability of fewer than 4 need repair applies when precisely either 0,1,2 or 3 cars need repair
Now lets take the binomial expansion of (n+r)^12 which is
n^12r^0 + 12(n^11r^1)+66( n^10r^2) + 220(n^9r^3)...........12(n^1r^11) +n^0r^12 I did not write out all the terms as we are only interested in the first 4 terms where the number of cars needing repair is 0,1,2 or 3
Lets calculate the value of the first 4 terms
n^12r^0= .8^12=.0687
n^11r^1= .8^11 x .2^1 =.2061
n^10r^2 = .8^10 x .2^2 = .2834
n^9r^3 = .8^9 x .2^3 = .2362
The sum of these 4 is .7946