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Staying Safe During the Holidays and Avoiding Fires

The December holidays are a joyous time to get together with family and friends. But those festive gatherings can present fire risks if you don’t follow precautions when decorating your home.

During the winter holiday season between 2014 and 2018, fire departments in the United States responded to an average of 160 home fires caused by Christmas trees, according to the National Fire Protection Association. Those fires caused an average of two deaths, 14 injuries and $10 million in property damage annually, NFPA reported. In 22% of incidents, a heat source like a candle or equipment, was too close to the Christmas tree.

Before stringing those lights on that Christmas tree, the NFPA recommends you:

  • Choose a healthy tree with fresh, green needles that do not fall off when touched
  • Cut 2 inches from the base of the tree trunk before placing the tree on the stand to help the tree to draw up water
  • Always keep the tree well-watered and check the water level in the stand daily
  • Make sure the tree is at least three feet away from any heat source like fireplaces, radiators, space heaters, heat vents, candles or lights
  • Make sure that the tree does not block an exit
  • Only use decorative lights that have the label of a recognized testing laboratory
  • Make sure light bulbs, strings and connections are not broken or damaged in any way
  • Always turn off tree lights before leaving home or going to bed
  • Never use lit candles to decorate the tree

Unfortunately, Christmas trees aren’t the only hazard that may be lurking in and around your home during the holiday season. Holiday decorations, candles and outdoor lights can also start fires if you are not careful.

When decorating, the NFPA suggests you:

  • Choose decorations that are flame resistant or flame retardant
  • Keep lit candles away from decorations
  • Be aware of what lights are for indoor use and what lights are for outdoor use
  • Replace any string of lights with worn or broken cords or loose bulb connections
  • Use clips to hang lights, not nails, so the cords don’t get damaged

When hosting those holiday parties, the NFPA recommends testing your smoke alarms beforehand. When guests arrive, make sure they know how to escape your home in the event of a fire. If your guests smoke, the NFPA recommends providing them large, deep ashtrays then wetting cigarette butts with water before discarding them. You may also want to just ask smokers to go outside.

If children are around, keep them away from lit candles and keep matches and lighters locked up in a safe place.

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, including American Commerce Insurance CompanySM (Cal. COA 4928-8), Citation Insurance CompanySM, The Commerce Insurance CompanySM, Commerce West Insurance CompanySM (Cal. COA 1372-2), MAPFRE Insurance CompanySM (Cal. COA 3039-5), and MAPFRE Insurance Company of FloridaSM.

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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