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Tips for Fire Safety Month

Our customer’s safety and peace of mind are essential to us. During Fire Prevention Month in October and all year long, we want to ensure you and your family have an escape plan should a fire break out at your home and that you take adequate safety measures to prevent tragedies. More importantly, we would like to share some tips and tricks in hopes that you can prevent a fire from ever occurring.

Fires can happen in any part of the house, but the basement is one of the most dangerous areas. If you have a basement, having little to no windows and having only one point of entry could make it difficult to escape and for firefighters to fight flames. MAPFRE and the U.S. Fire Administration (USFA) have several tips to keep you and your loved ones safe from basement fires.

If someone smokes in your house, it’s critical they dispose of smoking materials properly as improper disposal of smoking materials is one of the leading causes of structure fires and related deaths and injuries in the United States. Here are a few recommendations regarding the proper disposal of smoking materials.

Garages are another place where fires spread and cause more damage than other home areas due to flammable liquids, combustibles, electrical tools, and gas appliances inside. Learn how to safeguard your garage from a fire before a tragedy occurs.

Home fires occur more during the winter than any other season, according to the National Fire Protection Association (NPA). Whether your family is gathered around the fireplace or wood stove, the NFPA and the USFA want you to be aware of some heating device safety tips.

Over the years, fire pits have become “must haves” in backyards nationwide. Whether you want one for aesthetics or to keep warm on a chilly night, there are significant safety considerations to take into account for your family and pets. Before lighting up your fire pit, you will want to ensure your fire does not get out of control and here are a few fire pit safety tips to help reduce the risk of igniting your home and nearby surroundings.

Space heaters are associated with an estimated 21,800 residential fires every year. In addition to those fires, fuel-burning space heaters also have the potential to cause carbon monoxide poisoning due to improper ventilation. If you have to use one, there are several space heater safety recommendations you should follow.

And no matter what time of the year, smoke alarms and carbon monoxide detectors are a must for your home. According to a report by the NFPA, almost three out of five fire fatalities happen in properties with no alarms or where alarms failed to operate. The Consumer Product Safety Commission has several recommendations to make sure your home smoke alarms and carbon monoxide detectors are correctly installed and maintained.

We hope you found these safety tips helpful. If you’re not exactly sure what your home insurance policy covers, an independent agent in your state can always review it with you to make sure you have the right coverage to suit your individualized needs. And if you are not a MAPFRE customer in Massachusetts yet, you can always get a fast, free insurance quote online today to get outstanding coverage at a great price.

Frequently asked questions about total losses

When is my car considered a total loss?

Your car is considered a total loss (totaled) when the cost to repair the vehicle exceeds its current value.

How is the value of my car determined?

MAPFRE works with a third-party to help determine the actual cash value of your car. The value of your vehicle is determined by a variety of factors like its pre-loss condition, age, make, model, and mileage. Also taken into consideration is the value of a vehicle of a similar type and the price paid for the vehicle.

What happens if I still have a loan or lease on my car?

Depending on the lender, if the actual value of your car is less than what you owe on your loan or lease, then you may still owe the balance.

 

Having gap insurance will typically cover the difference between what your vehicle is currently worth and the amount you actually owe on the loan or lease.

What paperwork is needed before payment can be issued?

Before payment can be issued, MAPFRE needs the title of the vehicle. If you hold the title, you must fill in the odometer disclosure statement and sign the title before sending it to us.

 

If the title is with your lender, MAPFRE will reach out to them. Keep in mind, requirements differ by states and there may be additional steps.

What happens to my car if it's determined a total loss?

After your car is determined a total loss, you will need to advise the repair shop or tow yard that you would like to release your vehicle to MAPFRE. This timely permission to move the vehicle will help reduce out-of-pocket costs.

 

During this time, you should also remove all personal belongings from the vehicle and take off the license plates.

Why do you need to take my car and where are you taking it?

While we usually cover up to $35 per day of storage at shop or tow yard, those fees can add up quickly. That’s why MAPFRE takes it to a storage-free facility. If you don’t want to allow MAPFRE to move your car, you may be responsible for the additional storage fees.

What if I decide to keep my car?

MAPFRE has the right to take your vehicle in settlement of a total loss under the terms and conditions of your auto policy. If we decide to allow you to retain the vehicle, it will be returned to you from the salvage yard once the claims process is complete. Once a car is totaled you will still need to have it repaired and pass inspection. You will need to apply for a salvage or rebuilt title that identifies the car as having been a total loss. Many insurance companies will not cover a salvaged vehicle it’s challenging to accurately assess the true condition of the vehicle.

Please Note:This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and MAPFRE Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.

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