SUNDAY, JULY 24, 2016
Pokemon Go: Is Pikachu covered?
Good question. The answer is - maybe / Sort of?
Auto Insurance - You are driving along hunting these mystical creatures and rear end a police car - Your Auto Liability will cover the damage to the police car and the officers injuries (up to your limits) - and it will cover damage to your car IF you have collision coverage (less your deductible) - But it WON"T cover the ticket I am certain you will get.
Home Insurance: If you are hunting in the dark of night in - oh, lets say a... not nice part of town, and you are robbed of your phone and wallet / purse? Your Homeowners / Renters policy will cover the theft - however, those items are likely to be less than your deductible ( and you most likely don't want to file a claim for something this small anyway ( if you want to know why - call me....)
Medical Insurance: when you are staring at the screen and walk into traffic and dent the hood of that Camry - your medical policy WILL cover your medical expenses less your deductible and co pays - ( they don't exclude .... you fill in the blank) BUT , Your medical won't cover your lost wages while you are in the hospital - and the guy that hit you is unlikely to have to pay since you walked into him...
Bottom Line: Have fun - but be careful, pay attention. and obey the laws - while augmented reality creatures are way cool - they might also have some IRL consequences
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