I'm not to familiar with Carrara and its inner workings, but it sounds like it is using the grouping of the figure as opposed to the materials (lShoulder/lCollar as opposed to figernails/eyelash etc...). Two things I can think of that might fix it. One is uvmapper, another is grouper (in freestuff here). Have you experimented with different export options? Is this an obj. or a 3ds. export?