A woman got an STD in a car. Now Geico may have to pay her $5.2 million.

Geico could be in a $5.2 million legal settlement after a woman claimed she contracted a sexually transmitted disease in a company-insured car.

A Missouri court on Tuesday upheld a judgment that awarded the money to the woman, who is referred to as “MO” in court documents. MO claimed she caught the human papillomavirus (HPV) while having sex in 2017 with a male partner in her 2014 Hyundai Genesis, which was covered by Geico, according to a 2021 complaint.

The woman, who learned she was infected with HPV in 2018, claimed the man knew he had HPV but did not inform her, leaving her with “past and future medical expenses” and “mental and physical pain and suffering”.

The woman alerted Geico that she was filing a lawsuit against the man, claiming she was infected by negligence in the vehicle and that the car’s insurance policy was supposed to provide coverage for her injuries and losses. According to the complaint, MO asked Geico for $1 million. “Let me know,” she wrote.

Geico denied coverage and rejected his claim. After that, MO and the man entered the arbitration, and the arbitrator found that the man negligently infected her and awarded MO $5.2 million damages, which was to be paid by Geico.

Geico appealed the ruling, but Missouri’s decision on Tuesday found that the insurer had no legal grounds to appeal on several points, including that it “did not have the right to rebind” matters after liability and damages were settled by an arbitrator and confirmed by a judgment. block.

In a statement to CBS MoneyWatch, Geico said, “The question of whether there is coverage for this matter will be determined” by a federal lawsuit filed in US District Court for the Western District of Missouri.

Geico contests case in Federal Court

Geico also claimed that it “was denied the right to litigate its interests before judgment was made against its policyholder”. But the ruling considered that the company had a chance to participate and defend its interests when MO contacted Geico to claim that the insurance policy should cover his damages and losses.

“Geico did not take this opportunity and instead denied coverage and refused to defend the Insured,” the court noted.

However, Geico may not have to pay the $5.2 million judgment due to the related federal lawsuit filed by the insurer, which disputes that the claim is covered by its auto policy, according to the Kansas City Star, who previously reported on Missouri’s decision.

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