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आईडीवी, या बीमित घोषित मूल्य, वह राशि है जो आपकी कार बीमा कंपनी आपको भुगतान करेगी यदि आपकी कार चोरी हो जाती है या मरम्मत से परे क्षतिग्रस्त हो जाती है।