The original Pokémon game, in its various forms, first surfaced in 1995. You may still have collections of Pokémon cards in your attic or a copy of the original Game Boy version released by Nintendo in 1996. Now 20 years later Pokémon is making a comeback.
Pokémon Go is a mobile app that allows users to hunt virtually for Pokémon in the very real great outdoors. It has become wildly popular, amassing more users than Twitter in just a few days. However, like most cultural phenomena, Pokémon Go has also spawned unintended consequences such as injuries and property damage resulting from distracted players. Fortunately; most of these are covered by insurance, according to the Insurance Information Institute.
You’ve probably already seen Pokémon Go in action if you’ve noticed hordes of players scouring your neighborhoods with their eyes glued to their smartphones hoping to “Catch ’em all.” The up side is that more people are motivated to get outside for some fresh air and exercise. The down side is that because players are so distracted they have been seen walking, biking, or skating into signposts, sewer grates and even each other.
Enjoy the game, but be adequately protected against the risk that accompany the play beginning with these three types of coverage:
Property Damage Incidents: If you accidentally trample someone’s flowerbed while hot on the trail of a Bellossome or a fellow player is injured in your home and sues, most homeowners’ and renters’ policies provide coverage to pay for damages you cause to other peoples’ property and/or possessions as well as liability for mishaps that occur on your property.
Motor Vehicle Related Accidents: Be aware of your surroundings even when hunting down Pokémon. If you wander into the street and get hit by a car, the driver’s auto policy could be responsible for your injuries.Almost all states require that vehicle owners and drivers carry liability insurance to cover personal injuries to third parties. If that’s not available, your own uninsured/underinsured motorists policy may pick pay your expenses. .
Identity Theft and Cyber Crime: The game’s called Pokémon Go, but it’s your data that’s in play. This fantasy game creates real-life vulnerabilities. While playing, keep in mind your data can be stolen. If so, your homeowners’ or renters’ policy will likely cover identity theft. You may also purchase a stand-alone policy that will reimburse you for the cost of restoring your identity, credit report repair, and other related expenses.
NEC is one of the largest independent insurance brokers in Missouri offering business and personal insurance, risk prevention, and financial services. Our size allows us to provide you with the best price for the depth of services you receive. Contact us today for more information at 636.271.2481 or visit NECins.com.