Pokémon Go, a mobile app that allows users to hunt virtually for Pokémon in the real great outdoors, became wildly popular this summer, 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 users – fortunately, most of these are covered by insurance, according to the New York City based insurance information institute.
In positive news, these players are venturing outside for fresh air, exercise and to experience their world in new ways. The downside? Some of them are also walking, biking, or skating into signposts, sewer grates and even each other – not to mention even more serious issues.
So, even if you fall hard chasing a rare Pokémon, know that you’re covered if you have the right types of insurance:
Homeowners’ and renters’ insurance
While you’re out and about pursuing those elusive pocket monsters, rest assured that your possessions are covered if thieves break into your home. And, if someone runs off with your mobile phone, you’re in luck if you have cellphone insurance.
Also, if you accidentally trample someone’s flowerbed while hot on the trail of a Pokémon (or a fellow player is injured in your home and decides to sue), most homeowners’ and renters’ policies have coverage for damage you cause to other peoples’ property and possessions as well as liability for mishaps on your property.
Motor vehicle-related incidents
Hit while running down a Pokémon? Depending on who’s at fault (and local statutes), you may be able to file a claim against the driver’s auto liability insurance policy.
Almost all states require that vehicle owners and drivers carry liability insurance to cover personal injuries to third parties. Or your own uninsured/underinsured motorists coverage may pick up the tab if not.
Identity theft and cyber crime
If thieves make off with your information, many insurers will cover identity theft, either as part of a homeowners’ or renters’ policy or as a stand-alone policy. Identity theft insurance reimburses victims for the cost of restoring their identity and repairing credit reports and related expenses.