In a time when the unknown is steadily becoming the known, conversations about unidentified flying objects, or UFOs, are increasingly moving from the fringes of discourse to mainstream dialogue. A recent article by NPR regarding the Congressional hearing highlighted the increasing number of UFO sightings, some of which were by military personnel. In light of these UFO and extraterrestrial encounters, we find ourselves asking a new question: Are we covered for extraterrestrial encounters by our insurance policies?
It's not every day that our usual considerations of insurance coverage – vehicle accidents, property damage, health crises – expand to include potential interactions with visitors from outer space. Yet, the possibility of such encounters raises questions about what our current insurance policies actually cover.
The recent Congressional hearing spotlighted discussions about the existence of Unidentified Anomalous Phenomena (UAPs), the military's term for UFOs. The U.S. government has been called upon to improve processes for reporting these phenomena and ensure oversight of government programs investigating them. The objective is to remove the stigma associated with reporting these sightings. The Pentagon received hundreds of UFO reports in 2022, indicating a growing need for clarity about such encounters.
What's particularly interesting is the disclosure of a "multi-decade" reverse engineering program of recovered UFO vessels, hinting at the existence of non-human "biologics" or aliens, from alleged crash sites. Call them little green men, the Grays, Aliens or non-humans, eventually all the fingers point in one direction. However, while these claims are yet to be verified, they certainly add an extra layer of intrigue to the UFO narrative.
So, what does this mean for insurance? At present, insurance policies do not typically cover damage caused by "otherworldly" entities. However, insurance is always evolving, responding to changes in society, technology, and, it seems, potentially even our understanding of the universe.
The question remains, are you covered for an Alien or UFO encounter? Well, yes and no. If you're planning to have a close encounter of the third kind, you might want to plan ahead. Mike St. Lawrence, the owner of the Saint Lawrence Agency in Altamonte Springs, Florida, has your back – or should we say your spaceship? He offers both limited and comprehensive coverage for alien abductions, and, for the particularly adventurous, insurance for storming Area 51 (if you don't make it out alive) or even reincarnation.
Now, if a UFO or UAP decides to park on your car or crash through your living room, you might be surprised to find that you are indeed covered for this under “falling objects”, as long as you have Comprehensive coverage on your home and auto policies. Just remember, mass evacuation, civil unrest, and riots are not covered - but hey, at least you'll have an out-of-this-world story to tell!
At Begin Insurance, we recommend having a comprehensive insurance plan that covers a broad range of eventualities, from the mundane to the extraordinary. Even though we might not be able to provide a policy specifically for alien encounters, a good insurance plan will help you feel prepared for the unexpected.
As the conversation surrounding UFOs continues to develop, it's crucial to stay informed and consider how these changes might impact us. It's not just about the potential for extraterrestrial encounters; it's about understanding that the world (and perhaps the universe) is full of unknowns, and the best we can do is prepare for as many contingencies as possible.
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