Household Tips for Handling Gasoline

Most accidents occur in the summer months due to an increased use of gasoline for farming or recreational purposes (i.e. bonfires, burning leaves, boating, yard work, etc.). A lack of understanding of the explosive nature of gasoline by the general public seems to contribute to both its improper storage and misuse as a solvent, engine primer or fire starter. Gasoline burns decrease markedly in the winter months.

Most injuries associated with these products occur in the home, however, where the improper use and storage of gasoline and other flammable liquids can result in both personal injury and property damage. Knowing how to prevent these injuries can protect you and those you love from a devastating burn injury. The first step to ensure a safer home environment is to increase your awareness and identify potential hazards. The next step is to make the necessary changes in behavior and your environment. Change in the environment and modifying high-risk behaviors involves eliminating the cause of the problem, thereby reducing the risk.

Here are some helpful tips from the American Burn Association on how to handle gasoline with care in household situations:

• Don't smoke, use matches or other ignition sources anywhere around gas. Gas vapors can travel far from gas containers in enclosed areas.



• Use gasoline only in well-ventilated areas.



• Turn off equipment and let it cool before filling the gas tank.



• Never use gas to start the charcoal on a grill. Use a proper charcoal starter.



• Store gasoline in approved containers in a cool, well-ventilated area such as a shed or a garage that is not near the house. Keep only a minimum amount on hand.



• Never use glass or plastic bottles for gasoline storage.

According to a 2000 report by the National Fire Protection Association based on 1993-1998 data, the following are the gasoline-related annual estimates:

Community Fire & Burn Prevention Programs Gasoline Safety Campaign
• Over 140,000 fires, including 120,000 in vehicles (most of them unoccupied, fortunately).
• Over 6,000 residential fires.
• About 500 deaths.
• Thousands of hospital emergency room visits.
• Nearly $500 million in direct property damage costs from gasoline-related fires.

(Source: The U.S. Home Product Report, 1993-1997, Flammable or Combustible Liquids, National Fire Protection Association, Fire Analysis and Research Division, Quincy, MA, August 2000).

Additional information is available from the American Burn Association at http://www.ameriburn.org/

Remember, SAFETY FIRST!!

Keep following Mars Insurance for future blog posts on safety tips, insurance information and general need to know information.

Trailer Tips

This is the time of year for camping trips and boating adventures and you may find yourself pulling a trailer along behind your vehicle as you travel.

We would just like to share these safety tips from the California Department of Motor Vehicles to help keep you safe as you tow that trailer.

• First check your vehicles owners manual to verify the gross vehicle weight and towing capacity for your car or truck. You will need to know this information to make sure your vehicle is up to the job.


• All vehicles handle differently and this is even more true while pulling a trailer. Even if you have pulled a trailer with your car or truck before something as little as the hookup, used to attach the trailer to your vehicle, can make a big difference in how you drive. So make sure to practice some turns and basic maneuvers around your neighborhood or another slower traffic area before hitting the road for the big trip.


• Please know the height of your trailer so you don't get stuck under a bridge or tunnel. Remember, just because your car made it doesn't mean that the big box you're pulling will.


• Do a final test on all electrical connections and make sure all your brake lights and signals are working on your trailer. Also, do a final check and make sure that the hitch is still hitched correctly. You never know who may have bumped into things as the car was being loaded up before that big trip. Watching your trailer roll away in the rear view mirror is not a good way to begin a vacation.


• Drivers pulling trailers need to overshoot their turns to make them wide enough so the trailer's path won't pull them off the road. Think of how you see a semi-truck make a turn.


• Allow EXTRA room when changing lanes. Don't forget your vehicle is suddenly longer than it was the day before.


• Make sure to test your brakes and get a feel for how they will respond with that extra weight pushing you forward.

We hope these tips help keep you safe this summer and if you happen to be looking to get insurance on that new trailer you just bought or the toys that you may be towing with it, please feel free to contact us at www.marsinsurance.com with any questions.

As always have fun but please stay safe.

The Shocking Truth About Lightning

As storm season swings into full force we thought it would be a good idea for everyone to take a minute and brush up on their lightning safety.

Lightning is very dangerous and can injure people even when they are not directly struck, such as when it strikes a tree and creates a side flash injuring those who are standing nearby.

According to the National Weather Service, being struck directly or indirectly causes injuries to the nervous system and the brain. These can include memory loss, depression, fatigue, burns, hearing problems, light sensitivity and dizziness.

Take these simple steps to help protect yourself against the dangers of lightning strikes,

• Stay out of its path, lightning can strike as far as ten miles away.


• When you hear thunder you are within striking distance and should seek safe shelter immediately such as a sturdy building or an enclosed car.


• When inside a home or building stay off corded phones, computers and any other equipment that puts you into direct contact with electricity.


• stay away from indoor and outdoor pools, tubs, showers, and other plumbing that could conduct electricity.


• When you are inside wait at least thirty minutes after the last clap of thunder before going outdoors.

We thank our friends at Standard Mutual for these lightning safety tips and hope you have a fun and safe summer, and as always if you have any questions regarding your insurance needs please contact us at http://marsinsurance.com/

Driving Tips for Teens

A teen’s first years behind the wheel bring newfound freedom and responsibility, but also potential danger.

Following are a few safety suggestions to share with your teens:

DID YOU KNOW…..using a cell phone while driving is the equivalent of .08 blood alcohol content which is legal intoxication?

COMMIT…to never using a cell phone to talk while driving. Be sure to check your states laws as some states prohibit anyone under the age of 18 from using a cell phone while driving.

DID YOU KNOW….the number one cause of death for teenagers is traffic crashes? For every teen driver killed, there are two other individuals killed.

DECIDE….to drive reasonably. Picture your mom or dad, or even your drivers’ ed teacher, sitting in the seat next to you.

DID YOU KNOW …. 20 percent of teens start drinking and THEN choose a designated driver? 30 percent of teens pick a driver who has been drinking.

AVOID….drinking and driving. If you cause a crash, especially one that involves injury or death, the stakes get high quickly. It’s not a matter of whether or not you’ll go to jail, it’s how long.

DID YOU KNOW….distractions while driving – texting, talking on the phone, multiple passengers, changing the radio or ipod, and driving late at night – increase the odds that you or someone else on the road will be killed or injured?

CHOOSE….to drive responsibly. Make a conscious decision to steer clear of distractions while behind the wheel. Driving in itself is multitasking.

DID YOU KNOW….a lot of accidents happen when turning left?

BE EXTRA CAREFUL….when making left-hand turns and obey the speed limit.

MAKE IT A HABIT… to never leave home without your seatbelt on, even if it’s just through the parking lot or down the street. Most accidents happen within 1 mile from home.

These helpful tips were provided by Standard Mutual Insurance.

Call Mars Insurance for additional tips and options that are available to keep your teens safe.

Beat the Heat!!

As the hazy, lazy days of summer approach, we all do what we can to stay cool. To help your house conserve energy and stay cooler, consider the following:

• Make certain airflow to your outdoor air conditioning unit is not blocked by shrubbery or other obstructions.


• Keep draperies, blinds and shades closed during the hottest part of the day.


• Keep windows and doors tightly closed when operating air conditioning equipment.


• close closet doors in air conditioned rooms.


• Close all openings into the attic from Air-conditioned areas.


• Turn off unnecessary lights and computers when not in use.


• Check your air conditioning or furnace filter regularly and clean or replace it as needed (usually every 2 to 3 months)


• Plan cook-free meals of cold cuts, fresh vegetables, fruits and salads. This will keep the use of the oven to a minimum.


• Do your cooking, showering, washing, clothes drying and ironing in the morning or evening, when temperatures are cooler.

Information provided by American Electric Power Co.

We hope your enjoy your summer and hope you contact Mars Insurance for your insurance questions.

Attention Automotive Repair Industry........

The United States Environmental Protection Agency has made a new rule, National Emission Standards for Hazardous Air Pollutants (NESHAP) (Subpart HHHHHH) that mandates by January 10, 2011, those that engage in spray applications to motor vehicles must comply. The primary focus is to limit the amount of heavy metal (chromium, lead, manganese, nickel or cadmium) that is emitted due to spray applications. These standards mandate a spray booth that contains and filters the emissions form spray operations, as well as spray guns that comply and training to the operators of the equipment. The point of this regulation is to protect the environment, but it does mandate the use of an approved spray paint booth. A summary of these regulations my be found on the Internet at http://www.epa.gov/ttn/atw/area/paint_stripb.pdf and http://www.epa.gov/ttn/atw/area/autobodybs.doc.

Insurance companies will also be looking to see that you have complied with the new rules.

Mars Insurance is here to help you plan ahead with your business so that you may comply with regulations.

Reconstruction versus New Construction

Information provided by Marshall & Swift/Boeckh

With the changes in the insurance regulations and with the rising insurance costs, many individuals are looking for ways to ensure that their homes are protected while also reducing their insurance costs. However, what you don't realize is that some of the ways to reduce your insurance costs is placing you at risk.

Today, many reasons individuals get property valuation is due to re-financing, a new mortgage, home equity line of credit, establishing a selling price and for insurance purposes. However, the way property valuation is calculated can vary depending on its ultimate and methodology.

Whether properties are insured adequately depends on the type of replacement cost estimate they depend on, the coverage they purchased, and that magic ratio. Insurance to Value (ITV). The ITV estimating methodologies are designed to calculate property estimates that represent the fullest exposure and insurance carrier may experience in the event of a loss.

Because Reconstruction Cost is more comprehensive than Replacement Cost New, it is a better representation of what a carrier may expect to pay following a loss, and thus the most reliable method for determining Insurance to Value at the policy inception or renewal.

The distinctions between Replacement Cost New valuations and Reconstruction Cost valuations are important to understand because a carrier's goal is to provide the homeowner with an equitable and fair settlement. Additionally, because policy and settlement terms are frequently subject to negotiation and court interpretation, it is essential that carriers receive premiums based on the fullest exposure on each building - the building's Reconstruction Cost.

Research shows the the actual cost to reconstruct a building after a total loss is on average greater than Replacement Cost New (Appraisal). This is because Replacement Cost New valuations do not include costs arising out of current building codes or from a variety of costs and fees which were presented above and these are commonly present in total losses.

Have questions? Call us! We'll help you understand.