{"id":224,"date":"2018-02-28T12:25:28","date_gmt":"2018-02-28T12:25:28","guid":{"rendered":"https:\/\/www.sorsaschools.org\/?page_id=224"},"modified":"2026-07-28T09:19:29","modified_gmt":"2026-07-28T09:19:29","slug":"disappearing-deductible-program","status":"publish","type":"page","link":"https:\/\/sorsaschools.org\/staging\/membership-advantages\/disappearing-deductible-program\/","title":{"rendered":"Disappearing Deductible Program"},"content":{"rendered":"<p>Here\u2019s how it works. For each type of coverage that has a deductible (<span class=\"classtoolTips3\">Property<\/span>, Automobile Physical Damage, Educators Legal Liability) the deductible <span class=\"redtext\"><strong>decreases<\/strong><\/span> each year that the member does not have a claim.<\/p>\n<p>This table shows how the deductible decreases over time.<\/p>\n<table class=\"deductible-table\">\n<caption>\n        Deductible amounts by years without claims<br \/>\n    <\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Year with No Claims<\/th>\n<th scope=\"col\">Property<\/th>\n<th scope=\"col\">Automobile Physical Damage<\/th>\n<th scope=\"col\">Educators Legal Liability<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th scope=\"row\">First<\/th>\n<td>$1,000<\/td>\n<td>$1,000<\/td>\n<td>$5,000<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Second<\/th>\n<td>$500<\/td>\n<td>$500<\/td>\n<td>$4,000<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Third<\/th>\n<td>$250<\/td>\n<td>$250<\/td>\n<td>$2,500<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Fourth<\/th>\n<td>0<\/td>\n<td>0<\/td>\n<td>$1,000<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Fifth<\/th>\n<td>0<\/td>\n<td>0<\/td>\n<td>0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>After a member has a claim in one of these coverage categories, the deductible for that coverage alone will increase the following year to the standard deductible. Note that you could still have a zero deductible on <span class=\"classtoolTips3\">Property<\/span>, even if you had a claim in Automobile Physical Damage, for instance.<\/p>\n<p>This program rewards members who manage to avoid claims. The longer your school district remains claim-free, the greater the reward.<\/p>\n<p> With SORSA, <span class=\"redtext\"> <strong>Membership Has Advantages \u2013 and \u2013 Avoiding Claims Has Rewards!<\/strong> <\/span> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s how it works. For each type of coverage that has a deductible (Property, Automobile Physical Damage, Educators Legal Liability) the deductible decreases each year that the member does not have a claim. This table shows how the deductible decreases over time. Deductible amounts by years without claims Year with No Claims Property Automobile Physical [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":258,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-224","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Disappearing Deductible Program - Sorsa Schools<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Disappearing Deductible Program - Sorsa Schools\" \/>\n<meta property=\"og:description\" content=\"Here\u2019s how it works. For each type of coverage that has a deductible (Property, Automobile Physical Damage, Educators Legal Liability) the deductible decreases each year that the member does not have a claim. This table shows how the deductible decreases over time. Deductible amounts by years without claims Year with No Claims Property Automobile Physical [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sorsaschools.org\/staging\/membership-advantages\/disappearing-deductible-program\/\" \/>\n<meta property=\"og:site_name\" content=\"Sorsa Schools\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-28T09:19:29+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/sorsaschools.org\\\/staging\\\/membership-advantages\\\/disappearing-deductible-program\\\/\",\"url\":\"https:\\\/\\\/sorsaschools.org\\\/staging\\\/membership-advantages\\\/disappearing-deductible-program\\\/\",\"name\":\"Disappearing Deductible Program - Sorsa Schools\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.sorsaschools.org\\\/#website\"},\"datePublished\":\"2018-02-28T12:25:28+00:00\",\"dateModified\":\"2026-07-28T09:19:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/sorsaschools.org\\\/staging\\\/membership-advantages\\\/disappearing-deductible-program\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/sorsaschools.org\\\/staging\\\/membership-advantages\\\/disappearing-deductible-program\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/sorsaschools.org\\\/staging\\\/membership-advantages\\\/disappearing-deductible-program\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/sorsaschools.org\\\/staging\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Membership Advantages\",\"item\":\"https:\\\/\\\/sorsaschools.org\\\/staging\\\/membership-advantages\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Disappearing Deductible Program\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.sorsaschools.org\\\/#website\",\"url\":\"https:\\\/\\\/www.sorsaschools.org\\\/\",\"name\":\"Sorsa Schools\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.sorsaschools.org\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Disappearing Deductible Program - Sorsa Schools","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Disappearing Deductible Program - Sorsa Schools","og_description":"Here\u2019s how it works. For each type of coverage that has a deductible (Property, Automobile Physical Damage, Educators Legal Liability) the deductible decreases each year that the member does not have a claim. This table shows how the deductible decreases over time. 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