Geico Must Pay $5.2 Million: Will GEICO pay $5.2 million for the HPV STI following vehicle sex? Car insurance company: $5.2 million in 15 minutes. In October, I wrote for Forbes about a woman who “demanded $1 million from GEICO” after allegedly developing HPV after spending more than 15 minutes hot and heavy in a Hyundai. Because she said she caught this STI from a human partner in the car, not from the car, HPV stood for human papillomavirus, not Hyundai-produced virus.
Cars do not give STIs, no matter what you tell your spouse. A Missouri woman was awarded $5.2 million by the Jackson County Circuit Court, which GEICO may have to pay. The transaction was just upheld by the Missouri Court of Appeals. This wasn’t your typical boy-meets-girl-drives-car-gets-HPV love story. According to court documents, M.O. met M.B., who owned a 2014 Hyundai Genesis, in November 2017. This car was the catalyst for the events that followed. Over the next three weeks, they had numerous automobile sex sessions. Without condoms or car insurance, sex is unprotected. M.B. has a GEICO umbrella policy and a Kansas Family Automobile Insurance Policy.
As I previously stated, the umbrella coverage was personal liability insurance, not umbrella insurance, and was intended to cover claims not covered by his motor insurance. How did “STI in Hyundai” come to be? Before kissing M.O., M.B. had HPV-positive throat cancer. This is crucial to understand before engaging in unprotected intercourse. Because M.B. didn’t tell her, M.O. claimed they had unprotected sex. Retake sex ed if you’re not sure what the mouth or throat has to do with sex. According to court documents, M.O. was diagnosed with anogenital HPV in November 2018 after a regular gynecological exam.
HPV does not spread over the air or through Texting
Similar to “athleisure,” “anogenital” combines “anus” and “genital.” These are two sites that HPV enjoys. HPV can infect epithelial cells of the mouth, throat, vulva, vagina, cervix, anus, and penis. All of these body parts are places where a baseball should not be hit. Oral, anal, and vaginal intercourse are all present. HIV can be spread through sexual interaction. You can’t detect if someone has HPV just by looking at them. “That mustache makes you look HPV-ish,” you can’t say, or “She’s too trendy to have HPV.” Although this infection can create warts, it is often asymptomatic.
What was M.O.’s HPV compensation strategy? “Here’s the Petition that will be filed against your insured, [M.B.],” M.O. wrote to GEICO on February 25, 2021. We’ve been given permission to make one final attempt to resolve [M.O.’s] $1 million claim against your insured before we do so. Please” GEICO, according to court documents, turned down her settlement offer. M.B. “negligently infected M.O. with HPV,” according to an arbitrator in 2021, which the Jackson County Circuit Court confirmed. GEICO appealed the decision, citing the possibility of having to pay damages. On June 7, 2022, the Missouri Court of Appeals upheld the lower court’s settlement. It’s not exactly simple enough for a caveman to do. Is GEICO liable for $5.2 million? Perhaps.
‘Boyfriend Dungeon’ will receive free DLC later this summer
The STI, according to GEICO, should not be covered. When did M.B. find out he was infected with HPV? M.B. and M.O. had sex outside of the car, as I previously stated. Something may be amiss if your partner just wants automobile sex. If you’ve had multiple encounters with a partner, it can be difficult to determine which one transmitted HPV. Unless you’re a video game character or a hot dog in a microwave, no bell, sound, or alarm sounds when HPV transmission is complete. “No doubt, car sex caught this,” your doctor can’t say after doing blood tests. It was a 2014 Hyundai Genesis, according to subtyping.” There are no HPV automobile variants.
What brought us here?
Late in 2017, sexual encounters took place. M.O. claims that because the car was covered by GEICO at the time, the business owes her compensation for catching HPV from the vehicle’s owner, citing medical bills and pain and suffering. In March of 2021, the two parties agreed to settle their disagreement through arbitration. An arbitrator granted M.O. $5.2 million two months later, stating that the amount “would properly and justly compensate” her.
Car sex should not put you at a higher risk of contracting HPV than other forms of sex
While having intercourse in a car may raise your chances of a steering wheel imprint, it does not enhance your chances of contracting HPV. The mouth, throat, vulva, vagina, cervix, anus, and penis are all missing from automobiles. Shouldn’t. Whether you’re in a car, bed, raft, house, with a mouse, or eating green eggs and ham, your risk of contracting HPV is determined by whether your partner has it and how you protect yourself. Knowing about your partner’s STI history can help you avoid contracting HPV.
Before engaging in sexual activity, learn your partner’s name. You don’t want to risk STIs by shouting “whatever your name is” during sex. M.O. took her case to the circuit court in Jackson County, Mo., to have the arbitration ruling enforced, and she won. GEICO then filed an appeal with a higher state court. The insurance company claimed it was denied an opportunity to defend itself, claiming that this was a violation of its constitutional rights to due process and access to the courts. However, two judges from the Missouri Court of Appeals western district ruled this week that GEICO had multiple opportunities to act on its own behalf.
GEICO is also fighting the big award in Federal Court
M.O. had filed a claim with GEICO more than a year earlier, according to the courts. The woman also emailed the corporation a copy of the lawsuit she was intending to bring against the insured man in February of 2021. She also offered to settle the claim for $1 million at the time. The appeals panel’s third judge agreed with the court’s decision but added that GEICO had not been given a “meaningful opportunity to engage in the complaint” before the judgment was handed down.
In Missouri, M.O. has now won three games. GEICO, on the other hand, sued both M.O. and M.B. in federal court in April 2021, arguing that the insurance company isn’t liable for the woman’s HPV infection and that it has no obligation to defend the guy against her claims. The car owner’s coverage claims should be dismissed, according to GEICO, because they are banned by a number of legal concepts, including “fraud, collusion, illegality, laches, and unclean hands.”
M.O., on the other hand, claims that GEICO acted in bad faith by refusing to defend the car’s owner despite repeated requests and by refusing to settle her claim. According to her, the guy “was insured against his personal liability deriving from his negligence in activities involving his automobile,” making GEICO liable. The federal case has been set for a jury trial, which will begin in a Kansas City courthouse in October. Over 100 docket entries have been recorded since GEICO launched its federal lawsuit more than a year ago.
