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प्रश्न
60,000 articles costing Rs. 200 per dozen were insured against fire for Rs. 2,40,000. If 20% of the articles were burnt and 7,200 of the remaining articles were damaged to the extent of 80% of their value, find the amount that can be claimed under the policy.
उत्तर
Given, Total number of articles = 60,000
Cost of the articles = ₹200 per dozen
i.e., one article costs ₹ `(200)/(12)`
Policy value = ₹2,40,000
Cost of 60,000 articles (property value)
= Number of articles x Cost of one article
= `60,000 xx (200)/(12)`
= ₹10,00,000
Given, 20% of the articles were completely burnt.
∴ Value of burnt articles
= 20% of value of total articles
= `20/100 xx 10,00,000`
= ₹2,00,000
7,200 articles were damaged to 80% of their value. Total value of 7,200 articles
= 7,200 x cost of one article
= `7,200 xx (200)/(12)`
= ₹1,20,000
∴ Loss on 7,200 articles
= 80% of value
= `(80)/(100) xx 1,20,000`
= ₹96,000
∴ Total loss:
= Value of burnt articles + Loss on 7,200 articles
= 2,00,000 + 96,000
= ₹2,96,000
Claim = `"Policy value"/"Property value" xx "Total loss"`
∴ Claim = `(2,40,000)/(10,00,000) xx 2,96,000`
= ₹71,040
∴ Amount that can be claimed under the policy is ₹71,040.
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