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Insurance concept is transfer from individual to mass. Hence it is subject to strict principle of indemnity.. Here, your tanks costs, I suppose 3000/ the insurer will pay less depreciation which in your case must be 10% if it is within one one from the date of purchase of the vehicle hence the 10% =300 which the garragewall collected from you the balance being indemnified by insurer.regards vaidya DO NICL Tirupati
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