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Those in this situation who file a claim will only receive partial reimbursement according to the formula. The coinsurance formula itself is relatively simple. Then multiply this amount by the amount of the loss, and this will give you the amount of the reimbursement. If this reimbursement value is greater then the specified limits of a single insurance company, a secondary coinsurer will supply the remaining funds. Co-insurance is usually expressed as a percentage. The co-insurance formula is:
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