Jul 28th, 2016
Three kinds of insurance you need while playing Pokemon Go
By Paul Breeding
You still need to be aware of your surroundings when hunting down Pokémon, but if you do wander into the street and get hit by a car, the driver's auto policy could be on the hook for your injuries. (Photo: iStock)
2. Motor vehicle-related incidents
Hit while running down a Rotom? 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.
Have fun playing Pokémon Go, but keep in mind your data could be stolen. If so, your homeowners' or renters' policy will likely cover identity theft. (Photo: iStock)
Identity theft and cyber crime
Sure, the game’s called Pokémon Go, but it’s really your data that’s in play.
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.
People playing Pokemon Go at Indiana University's Showalter fountain
With people tripping and falling, I should have thrown health insurance on the list (maybe even life insurance). The game is immensely popular and we want you to enjoy the game and be safe doing it. If something happens, make sure you are prepared and have the correct insurance. You don't want to compound an accident with a hit to your bank account.
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