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    5 Ways to Stop Accidental Losses from Snow-bowling into a Major Headache

    Last Updated On 12-03-2018

    An accident is an unpredictable event and can happen even to careful drivers. While you may like to stay safe all the time, it is also best to be prepared for the worst. Here are a few tips that will help you lessen the trauma in the event you encounter an accident, and thus stop accidental losses from snow-bowling.

    Call Emergency Services and Police ASAP
    Calling for medical help should be the foremost step to take in case anyone is injured. If the other person is severely injured, take him to the hospital. While the doctor attends the victim; you can inform the police to take further actions.

    If no injuries have been recorded, call the police to register the accident. Police officers are in the best position to decide who was at fault and judge the accident scene.

    If Injured Avoid Heavy Movements
    When your vehicle hits another vehicle or an object, or if it rolls over, the damage can be severe. While you may feel fine initially, certain types of injuries may not result in immediate manifestations.

    So, it's better to avoid heavy movements to avoid internal injuries or soft tissue injuries.

    Don’t Forget to Document the Accident
    Take down as much information as possible - note down details about the time and date of the accident, as well as weather conditions (such as rain).

    If injured, take help of others present at the scene to help you take down the number and pictures of the other vehicle that was involved in the accident. 

    Do not forget to record license plate numbers of the vehicles involved in the accident. If possible, ask witnesses to write down a statement about what they saw and take their contact information as well.

    The documenting step is a very crucial step because if you forget to document the accident, proving to the court what happened may become difficult, should you or another party file a lawsuit.

    Contact the Life/Health Insurance Company
    Notify your insurance company about the accident. Cooperate with them, mention the extent of your injuries and explain the facts clearly.

    In case, if another person is injured/deceased, you should call the life insurance company on their behalf, if you are a family member. Intimation of claim to the life insurance company is the most crucial factor.

    Take a cue from the accident and secure yourself and your family’s financial future
    Life is short, and you can never foretell what the future holds. So, what is life insurance and how will it help you?

    If you happen to be the sole bread earner of your family, your accidental death could have devastating effects on your loved ones. It would affect their ability to pay debts, household expenses, and maintain the current standard of living. Therefore, the least you can do is to secure their financial future by buying life insurance.

    In case of your unfortunate demise due to an accident, dealing with financial liabilities can add the already existing crisis. However, having life insurance can relieve some stress as it comes with additional benefits to strengthen the protection plan for your family.

    For example- adding an accidental death benefit rider to your policy can provide your family with an additional sum assured after your demise (only if the death is due to an accident). The additional amount can help your family take care of any outstanding debt, like home loan, vehicle loan, or personal loan if any.

    Similarly, accidental disability rider in your policy provides coverage against accidental disability. This rider ensures that your family’s financial state is not compromised even if you are unable to earn due to prolonged or permanent disability.

    Paying a premium for life insurance policy may seem like an added financial burden to you, but if you were to meet with an accident, your family may have to face financial stress along with the emotional trauma. A life insurance plan can help stabilize the financial situation of your family in such an event, whether its dealing with disability due to the accident or demise. So, if you still do not have a life insurance plan, think again.

    To know more about Term Insurance,  browse the website for various Term Plans offered by PNB MetLife.


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    Collapsed Expanded

    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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