The T-62 is a very weak and awkward vehicle at the moment due to its high ticket cost paired with low penetration, low speed, poor armour and large easy to hit ammo racks. The T-62 is best left at main in most cases and the units that rely on it such as Insurgent and Militia armoured are quite poor.
To rebalance the vehicle it could be put into the role of a chunkier Mobile Gun System instead of being a very bad tank with no upside. This would give Militia and Insurgents a quite unique vehicle and reason to play the faction.
-Reduce the cost from 15 tickets to 10. This will make it easier to trade tickets effectively when using the vehicle and makes it less painful to lose overall.
-Reduce the health from 3000 to 2000. This will make it die in 3 shots from a tank, it'll be less able to directly duel with enemy tanks and even other armour like MGSs and ATGM equipped IFVs.
-Change the damage modifier to HAT from 1 to 0.725 which would make HAT rockets deal 1015 damage and ATGMs deal 1305. These weapons will still two shot the vehicle but it'll have more health to work with after being hit but less than a regular tank would.
-Remove the rear hull ammo rack and reduce the amount of ammo held from the current 12 AP, 8 HEAT and 20 FRAG to 8 AP, 4 HEAT and 10 FRAG. This is max IRL load with 1 rack. The removal of the rear rack makes the vehicle more survivable but the lowered ammo count means it has to be used more deliberately and around repair stations.
The T-62 with these changes would still keep the 550mm pen AP it currently uses, making it tricky to engage enemy tanks head on.
For changes to how it is used in the units:
-For Mil/Ins combined arms and motorized the initial spawn timer will be reduced from 15 minutes to 10 minutes to allow the vehicle to get a good position or impact before the enemy tank spawns in.
-For Mil/Ins Mechanized have 1 T-62 spawn off the start and a second one after 25 minutes. This gives a unique aspect to these units.