MISSOURI WOMAN REALLY WILL GET $5.2 MILLION FROM GEICO FOR GETTING STD IN INSURED CAR
Ok, this case is going to make some serious waves. A woman from Missouri had sex with her partner in his car. Nothing to see here, move along. Sex does happen in cars, after all. But unfortunately for her, he partner had an STD and he gave it to her. He knew he had it and didn’t tell her. That’s really not ok, like at all. Her (presumably former) partner’s car was insured by Geico, the insurance company. If that doesn’t seem familiar, see the literal (fictional) Geico above. You’ll remember the commercials. Now, Geico has to give this woman $5.2 million over the (non) affair.
MISSOURI COURT OF APPEALS UPHOLDS MONEY AWARD FOR GETTING STD IN INSURED CAR
So a little context. A court awarded her the money earlier. But just this week, the Missouri Court of Appeals upheld that award. In other words, Geico appealed the award, the appeals court said no: too bad, and Geico is on the hook for $5.2 million. At first blush (pun intended), you might think that this is a travesty. But the more you learn about the situation, the less sympathy you have for Geico. And let’s be clear, Geico is an insurance company. I don’t find much sympathy for them. They make good money, and even more money for denying claims.
WOMAN WOULD HAVE ACCEPTED $1 MILLION FOR STD DAMAGES, NOW GEICO ON THE HOOK 5X MORE
And make a claim she did, in the for of a petition to Geico directly. Her (still presumably former) partner gave her HPV, the leading cause of cervical cancer. He took no precautions, like a condom (see the picture) and didn’t disclose his condition to her. Her petition claimed that his Geico coverage should also cover her injuries and losses. And, well, she’s got a point. Geico insures the car. She got a STD in the car. Pretty simple. She made a final settlement offer to Geico for $1 million dollars to cover her claims. And Geico, of course, both denied coverage and her settlement offer. The case then went to an arbitrator. Big oops, Geico.
The arbitrator agreed with the woman from Missouri, and submitted the amount of $5.2 million to cover her damages and injuries. The arbitrator. And Geico, again, appealed. And lost. The appeal was denied by a 3-judge panel, who seemed annoyed that Geico forced them to re-litigate the case. Geico may want to re-think it’s slogan, “Fifteen minutes could save you 15% or more on car insurance.”