A lady received an STD in a automotive. Now Geico might need to pay her $5.2 million.


Geico could also be on the hook for a $5.2 million authorized settlement after a girl alleged she contracted a sexually transmitted illness in a automotive insured by the corporate.

A Missouri court docket on Tuesday upheld a judgment that awarded the cash to the girl, who’s referred to “M.O.” in court docket paperwork. M.O. claimed she caught the human papillomavirus (HPV) from having intercourse in 2017 with a male companion in his 2014 Hyundai Genesis, which was coated by Geico, based on a 2021 complaint

The lady, who discovered she was contaminated with HPV in 2018, claimed the person knew he had HPV however failed to tell her, leaving her with “previous and future medical bills” and “psychological and bodily ache and struggling.”

The lady alerted Geico that she was pursuing authorized motion in opposition to the person, claiming that she was negligently contaminated within the car and that the automotive insurance coverage coverage ought to present protection for her accidents and losses. In accordance with the criticism, M.O. requested Geico for $1 million. “Let me know,” she wrote.

Geico denied the protection and rejected her declare. After that, M.O. and the person entered arbitration, and the arbitrator discovered that the person had negligently contaminated her and awarded damages of $5.2 million to M.O., which had been to be paid by Geico.

Geico appealed the judgment, however the Missouri ruling on Tuesday discovered that the insurer lacked authorized grounds to attraction on a number of factors, together with that it “had no proper to relitigate” points after legal responsibility and damages had been set by an arbitrator and confirmed by a trial court docket. 

In an announcement to CBS MoneyWatch, Geico stated, “The query of whether or not there’s protection for this matter might be decided” by a federal lawsuit filed within the U.S. District Courtroom for the Western District of Missouri.

Geico fights case in federal court docket

Geico had additionally claimed that it was “denied the suitable to litigate its pursuits earlier than judgment was entered in opposition to its insured.” However the ruling discovered that the corporate had the possibility to take part and defend its pursuits when M.O. contacted Geico to assert that the insurance coverage coverage ought to cowl her damage and losses. 

“Geico didn’t reap the benefits of this chance, and as a substitute denied protection and refused to defend Insured,” the court docket famous. 

Nonetheless, Geico might not need to pay the $5.2 million judgment given the associated federal court docket case filed by the insurer, which contests that the declare is roofed by its auto coverage, according to the Kansas Metropolis Star, which earlier reported on the Missouri ruling.

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