Place the shredded zucchini in a clean towel and squeeze out any excess moisture.
In a mixing bowl, combine the zucchini, carrot, and sliced onion.
Add the egg, milk, salt, and pepper. Mix well.
Stir in the flour and mix until a thick, scoopable batter forms.
Heat a skillet over medium heat and add enough oil to lightly coat the bottom.
Drop spoonfuls of the batter into the hot pan and flatten slightly with the back of a spoon.
Cook for 2–3 minutes per side or until golden and crisp.
Remove and drain on paper towels. Serve warm with a dip or yogurt sauce if desired.