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Airlines are a perfect example:
Your bag is lost and they try to buy you off with a $200 gift certificate...or a free upgrade next time...or a $10 coffee voucher.. whatever the case.
*MOST* (not all) insurance policys state that if you take any compensation for your lost baggage from the airline that you are unable to claim any travel insurance because you've already 'settled'.
One would assume the same in your case...
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