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Know How to Escape Your Home Safely in a Fire

Fire departments across the United States responded to 1,353,500 fires in 2021, according to statistics compiled by the National Fire Protection Association (NFPA). These fires resulted in 3,800 civilian deaths, 14,700 civilian injuries and $15.9 billion in property damage.

Among the leading causes of home fires are cooking, heating, electrical distribution and lighting equipment, intentional fire setting, and smoking materials, according to the NFPA.

“Today’s homes burn faster and hotter than they used to, minimizing the amount of time they have to escape safely,” said Lorraine Carli, Vice President of the NFPA Outreach and Advocacy division. “In a typical home fire, you may have as little as two minutes to get out from the time the smoke alarm sounds.”

During the NFPA’s Fire Prevention Week, fire officials are stressing the importance for home owners to develop an escape plan with members of their family in the event a fire occurs.

Some key recommendations from the NFPA are:

  • Make sure smoke alarms are installed on every level of your home and inside every room where a family member sleeps
  • Smoke alarms should be interconnected so when one sounds, they all sound
  • Insure that every family member knows an escape plan in the event of a fire and that the plan meets the needs of everyone – including those with sensory or physical disabilities
  • Make sure everyone knows at least two ways out of every room, if possible
  • Make sure all doors and windows open easily

In addition, the NFPA recommends having a centralized outside meeting place a safe distance from your home where family members should go in the event you should have to evacuate. That way everyone is meeting in the same location and can be accounted for to let the fire department know if everyone made it out OK or if there is someone else who may still be in the building needing help.

We hope these tips will help to keep your family and home protected. And remember, to ensure you get the right protection for your home and auto insurance in Massachusetts, you can always get a fast, free quote from MAPFRE today.

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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