Disappearing Deductible Program

Here’s 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 graph shows how the deductible eventually “disappears” over time.

Year with No Claims	Property	Automobile Physical Damage	Educators Legal Liability
First	1,000	1,000	5,000
Second	500	500	4,000
Third	250	250	2,500
Fourth	-0-	-0-	1,000
Fifth	-0-	-0-	-0-

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 Property, even if you had a claim in Automobile Physical Damage for instance.

This program rewards members who manage to avoid claims. The longer your school district is a claim-free, the greater the reward.

With SORSA, Membership Has Advantages – and – Avoiding Claims Has Rewards!