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Under insured atau pertanggungan dibawah harga dimana kondisi nilai pertanggungan di polis lebih kecil dari nilai sebenernya di market .Contoh harga Mobil real market 150 juta namun di asuransikan 75 juta sehingga jika ada klaim 10 juta akan di pro rata yaitu (75 juta / 150 juta) × 10 juta.
