2021 Ford Escape: Sunroof.Moonroof

 

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Applications: Ventilation, Fire Exit, Floods, Submerged Vehicle
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Relevant Background: “sunroof is a movable panel that opens to uncover a window in an automobile roof, allowing light and fresh air to enter the passenger compartment. Sunroofs can be manually operated or motor driven, and are available in many shapes, sizes and styles. While the term "sunroof" is now used generically to describe any moveable panel in the roof, the term "moonroof" was historically used to describe stationary glass panes rigidly mounted in the roof panel over the passenger compartment. A moonroof has a glass panel that is transparent and usually tinted. Previous terms include sunshine roof, sliding head, and sliding roof...”(Sunroof - Wikipedia)

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Relevant Material: "The combination of vehicle fires and entrapment significantly increases the risk of fatalities. While most vehicle fires are caused by mechanical issues, collisions that lead to entrapment are the most deadly. 
Vehicle fire statistics
According to data from the National Fire Protection Association (NFPA) and the U.S. Fire Administration (USFA):
  • There were an estimated 171,500 vehicle fires annually from 2014 to 2016, resulting in an average of 345 deaths, 1,300 injuries, and $1.1 billion in property damage.
  • From 2020 to 2021, the US had an estimated 208,500 vehicle fires, 174,000 of which were highway vehicle fires.
  • Location: Over 60% of highway vehicle fires start in the engine area.
  • Timing: Vehicle fires happen consistently throughout the year but are most frequent in the afternoon and evening, peaking from 3 p.m. to 6 p.m..
  • Cause:
    • Mechanical or electrical failure: Accounts for about 75% of vehicle fires, frequently involving older, poorly maintained vehicles.
    • Collisions: While causing only 3–5% of fires, collisions are responsible for 57–62% of vehicle fire deaths.
    • Electrical system defects: Responsible for over 37% of fire-related recalls in one analysis. .." (Google) 
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  • Relevant Material: "Submerged vehicle incidents result in approximately 400-600 deaths annually in North America, making them the most fatal type of single vehicle accident. Drowning is the primary cause of death, rather than trauma, and 10% of all drownings are from submerged vehicles. Many incidents are survivable, as most crashes happen upright, giving victims 30-60 seconds to escape before the vehicle sinks completely, though the biggest challenge is often the difficulty of opening the windows or doors due to water pressure. 
    Key Statistics & Facts
    • Fatality Rate:
      Vehicle submersions have the highest fatality rate of any single-vehicle accident. 
    • North American Deaths:
      Around 400-600 people die each year in North America due to submerged vehicles. 
    • Cause of Death:
      The main cause of death is drowning, not the impact of the crash itself. 
    • Survivability:
      Most crashes are survivable if the person escapes within the first 30-60 seconds before the vehicle fully sinks. 
    Common Characteristics of Incidents
    • Crash Position: The vehicle usually hits the water in an upright position. 
    • Weather: Crashes are more common during fall or summer, and in adverse weather conditions. 
    • Location: Rivers and ditches are frequent sites for crashes that lead to submersion. 
    • Impairment: Drivers in these incidents often test positive for alcohol. 
    Why Escaping is Difficult
    • Water Pressure:
      Water pressure makes it nearly impossible to open a door when the car is submerged. 
    • Time Constraint:
      The critical period to escape is the first 30 to 60 seconds, as pressure quickly increases. 
    • Public Misconceptions:
      Many people believe they can roll up their windows and call for help, but this is a dangerous delay. 
    Survival Strategy
    • Get Out Quickly: The priority is to escape the vehicle before it sinks completely. 
    • Break a Window: This is the most effective escape route, but it must be done immediately. 
    • Aim for the Corners: The strongest points to break are typically the lower corners of the window, closer to the hinges..." (Google) 
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Relevant Coverage: 
a) Travel & Health 
b) Auto Insurance 
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Relevant Insurance Coverage:

a) Auto Insurance: Collision, Comprehensive, Upset, Liability, Uninsured Auto

b) Travel & Health Coverage

c) Personal property Coverage

d) Auto Insurance: OPCF 38 - Agreed limit for automobile Electronic Accessories and Equipment

e) Business liability Coverage like that of a Taxi driver, Uber driver, Travel & Tours, Rideshare driver

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