Geico, a large insurance company, has been ordered to pay the plaintiff $5.2 million to cover the costs of a sexually transmitted disease.
A Missouri appellate court rules that Geico must cover the cost of “injuries and losses” from contracting a disease obtained during an incident in 2017. This incident occurred with a man who was a motorist insured through Geico. This man known as “M.B.” in court documents had a 2014 Hyundai Genesis sedan that was insured through Geico.
Geico refused to acknowledge the claim and denied paying out any money. “M.O.”, the plaintiff, alleged that she had sexual encounters with M.B. in his insured Hyundai sedan in 2017. As a result of these sexual encounters, M.O. contracted the human papillomavirus or HPV which is a sexually transmitted disease that can cause genital warts.
In a 2014 Hyundai Genesis, the plaintiff was infected by her boyfriend with the virus. She claimed to have had sex with the motorist in his car which was insured by Geico. As a result, when she found out she had contracted genital warts, she made plans to get justice. She and M.B. signed an arbitration agreement where an arbitrator awarded M.O. with $5.2 million dollars to compensate her for catching the disease.
The woman went to file in Jackson, Missouri’s circuit court to collect the awarded amount of $5.2 million and won in court. Her argument was that “[t]he man was insured against his personal liability arising from his negligent actions involving his automobile.” Geico, however, did not agree.
The mega giant in insurance companies decided to appeal the results from circuit court. Geico took it to the higher state court to appeal the decision but lost again. The insurance company argued that it had not been given the proper due diligence to defend itself during the allegations and court proceedings. However, this was over-ruled due to the fact that Geico originally denied the claim, forcing M.O. and M.B. to sign an arbitration agreement.
Geico again appealed the decision from the higher court, stating that there was underhand mischief at play and possibly fraud. The courts looked at the case one more time and ruled that Geico would indeed be responsible for paying out $5.2 million dollars to M.O. for her “injuries and losses” from the sexually transmitted disease she contracted.