This week I downloaded the app and joined in on the Pokémon craze. Even though my phone is fully loaded with a plethora of games to test my skills and make time pass at a record pace, I’m not much of a smartphone gamer. However, with all the buzz about Pokémon Go, I did not want to be left in the dust as this pop culture phenomenon unfolded. At the very least I had to try it out, right? Right. So with little help from my eight year old I have been catching Zubats and Poliwags and checking out Pokéstops. Okay, I still don’t know what to do when I get to one, and don’t ask me what happens when you get to a ‘Gym’, I don’t have enough skill for that yet either, but that’s not the point.
The point is I now understand how these augmented reality apps can be all consuming; putting fun and adventure into your everyday, walking through streets and parks, grocery stores and doctors offices in search of Pokémon. Making the mundane more exciting and finding new ways to get about and explore. If it’s gotten someone off their couch and into the great outdoors I’m all for it but, let’s talk safety because this screams disaster waiting to happen and if you’ve followed any of the media coverage around the game you know it’s already happened.
Distraction happens. You can change that.
I know we’ve talked about this at great length and you’re tired of hearing it – Don’t drive distracted. This app gives us just one more thing to do behind the wheel. Like texting, talking, reading, personal grooming or the million and one other things you can do while you drive, if it draws your attention away from the road for even a split second it can mean a debilitating life change or even death. It’s not worth it, so just don’t. Rant over.
Not behind the wheel? Yes, you can still be distracted wandering the streets on foot, bike, or board, smartphone up and brain fully engaged in your next Poké destination. This is also not cool. People have unknowingly navigated their way onto busy streets and dangerous situations. Stay alert and be aware of your surroundings no matter how you choose to be on the move.
You need to be insured.
No, I’m not trying to sell you specialized Pokémon insurance. Let’s just say you happen to injure someone while playing the game or damage property making your way to that next Pokestop, personal liability insurance (also known as third party coverage) is what you’ll need to keep you covered. In fact, even if you’re not a fan of the game this is insurance you need to have, it provides liability coverage for all sorts of situations when you are out and about and not in your vehicle.
How do I get it?
If you own a home you are probably already covered under your home policy, but check with your advisor to be sure of the limits and understand exactly who is covered in your household.
If you’re a renter and don’t have tenant insurance, here is just one more reason why you should. I talked about this in a recent post, even if you don’t think you have anything worth insuring, the contents you do have are what make your rental a home and chances are you likely can’t afford to be without them no matter how mismatched or disheveled they are. That benefit aside, the personal liability insurance that comes with contents insurance can really save your bacon in the event of an incident. Whether you dent a car riding your bike or injure someone whilst walking and playing the latest smartphone game, personal liability is a smart choice. Best of all the cost is minimal, cut into your fancy coffee budget just a little each month and you’ve got it covered. Get a quote here and see for yourself.
Have More Questions?
Let me know and I’ll do my best to address it here for you and all of our readers. Better yet, contact an InsureMy advisor; these guys know their stuff. Email Info@InsureMy.ca or give them a call locally at (403) 410-1896 or toll free at 1-844-410-1896.
Everyday Insurance With Allie
Working mom, lover of the great outdoors and self-professed know-it-all. Our resident blogger, Allie isn’t the insurance guru she claims to be – but she’s learning and we are happy to help guide her. All the while keeping you in the loop on the “insurancey” stuff you need to know. #AskAllie