That depends on your insurance, I’m afraid. Many cheaper policies consider these acts of God—or worse, the fault of the policyholder. If you invest in a more expensive policy with a more reputable company, then there’s a chance that it might be covered. You would really need to read the fine print to be sure. (I wouldn’t recommend relying on the word of an agent exclusively. Never trust anyone working in insurance.)
As for keeping Bear from breaking out, that will be difficult, and the only way to do it is to train that behavior out of him. Establish when he may come out (i.e., only in emergencies), and use positive reinforcement to teach him that he should only come out when you summon him otherwise. For example, every time he stays in his ball until you let him out, feed him a treat.
Of course, you’ll also need to address why he breaks out as well. Pokémon can perceive a limited amount of the outside world from within their poké balls. (Usually, it’s just their immediate surroundings and a vague notion of the passage of time.) It’s possible that Bear may be startled or scared by the motion of the car as well, at which point it would be a good idea to show him your car (well … once you get it repaired) and let him see you drive it around the block or so forth so he can begin to understand that it’s nothing to be afraid of. If that’s not it, you may need to dig a little deeper in order to understand what drives your snorlax to break out, whether it’s fear … or boredom.
Best of luck!
