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Woman got an STD during car s3x. Now, Geico insurance MUST pay her $5.2 million

Woman got an STD during car s3x. Now, Geico insurance MUST pay her $5.2 million

A woman says she had  s3xually transmitted disease from an ex-boyfriend after having s3x in the backseat of his Hyundai Genesis has been given a $5.2 million payout from his CAR INSURANCE company.

The Geico gecko insurance has long bragged about the company’s “excellent service and vehicle insurance discounts.” However, in the case of a Missouri woman who claimed she had a s3xually transmitted illness after having intercourse in a Geico member’s in car, the state’s appeals court determined last week that the insurance company was required to do more — and that the firm could now pay her millions of dollars.

On Tuesday, the Missouri Court of Appeals upheld a $5.2 million verdict in a case involving a Jackson County, Mo., woman who claimed she contracted HPV, or human papillomavirus, during unprotected intercourse in a former male love partner’s luxury automobile in 2017.

Woman got an STD during car s3x. Now, Geico insurance MUST pay her $5.2 million
Woman got an STD during car s3x. Now, Geico insurance MUST pay her $5.2 million

Following the woman’s notification to Geico insurance that she wanted monetary damages, an arbitrator with Jackson County Circuit Court ruled last year that the man was liable for failing to disclose his infection, stating that the s3x in the car “directly caused, or directly contributed to cause” the woman’s HPV infection.

Video: Geico faces $5.2 million lawsuit over s3x in car

Geico insurance contended that the judgment was invalid under Missouri law, stating that the man’s coverage only covered injuries arising “because of the ownership, maintenance, or use of the… car.” The corporation also argued that the woman’s injuries “arose from an intervening cause — namely, her inability to prevent transmission of STDs by having unprotected s3x,” according to court filings.

A three-judge bench sided with the lower court in a recent order, stating Geico insurance didn’t have a solid case for appeal once the verdict was issued and the $5.2 million damages were calculated.

In his judgment, Court of Appeals Judge Edward R. Ardini Jr. noted, “At the time of Geico’s involvement, responsibility and damages had been assessed by an arbitrator and confirmed by the trial court.” “Geico insurance did not have the authority to re-litigate those issues.”

A request for comment from Geico was not immediately returned early Thursday. The woman’s attorney is not identified in court filings.

The Kansas City Star was the first to report on the story.

M.O. and the male, known as M.B. in court documents, began dating in late 2017, according to records. During that time, the pair had intercourse in M.B.’s 2014 Hyundai Genesis, a luxury car that “leaves very little to fault,” according to Kelley Blue Book.

The lady said the Kansas man had previously been diagnosed with HPV, the most common STD in the country and a precursor to a variety of malignancies, but “did not warn M.O. about it or take measures to prevent spreading the virus to M.O.” According to court filings, the woman was diagnosed with HPV at a gynecological appointment about a year after the relationship began.

Woman got an STD during car s3x. Now, Geico insurance MUST pay her $5.2 million
Woman got an STD during car s3x. Now, Geico insurance MUST pay her $5.2 million

According to the complaint, “she later realized that she caught the virus from M.B.”

Knowing that M.B. was covered by Geico insurance, the woman wrote to the business in February 2021, requesting $1 million in damages for “negligence and negligent infliction of mental distress.”

M.O. wrote, “Let me know.”

According to court filings, after Geico Insurance examined the claim, the insurance company said that the man told the lady he had been diagnosed with HPV-positive throat cancer and that he had not been diagnosed with the STD before 2017. Geico also claimed the woman was infected by another s3xual partner, and that the couple had intercourse in places other than the insured vehicle, according to records.

The matter was brought to arbitration after the insurance company disputed the compensation, claiming that the woman had failed to avoid her STD infection. In May 2021, an arbitrator decided with M.O. and ordered Geico to pay her $5.2 million in damages. The insurance company demanded a new hearing and a reversal of the award, claiming that the decision had violated Geico’s right to due process. When the lower court dismissed the requests, Geico decided to file a formal appeal with the state.

Judge Thomas N. Chapman of the Court of Appeals agreed with his colleagues in siding with the lower court’s settlement, but wrote that he believed Geico insurance was given “no meaningful opportunity to participate” in the woman’s lawsuit, and that existing state law “relegates the insurer to the status of a bystander.”

It’s uncertain whether Geico insurance will pay the settlement resulting from the HPV infection.

According to the Star, the insurance company is appealing the verdict in federal court, claiming that the claim is not covered by the policy. Depending on the outcome of that action, Geico could be obliged to pay M.O. more than $5 million in damages.

According to U.S. Magistrate Judge Angel D. Mitchell, the case could have a long-term impact on how insurance companies pay out occurrences that occur within an insured car.

Mitchell said last year, “This case poses unusual and possibly critical issues about whether an insurance carrier can be held accountable under such plans for the consequences of two adults freely having unprotected s3x in the insured’s automobile.” “How these rules are interpreted could have far-reaching consequences for other policies with comparable words.”

SEE below Geico Insurance vs. M.O. in the Missouri Court of Appeals  Documents
Woman got an STD during car s3x. Now, Geico insurance MUST pay her $5.2 million
Geico vs. M.O. in the Missouri Court of Appeals Western District
Geico vs. M.O. in the Missouri Court of Appeals Western District
Geico vs. M.O. in the Missouri Court of Appeals Western District

GEICO slogan

GEICO slogan – “15 minutes could save you 15% or more on your car insurance.”

About GEICO Insurance

GEICO Insurance is the second largest auto insurer in the US. It was founded in 1936 by Leo Goodwin Sr., a Texas farmer who wanted to provide cheap auto insurance to people who couldn’t afford it. The company quickly grew to become one of the most recognizable names in the industry, and now has over 14,000 employees in hundreds of locations across America.

GEICO offers its customers choice and flexibility regarding the level of coverage they choose to purchase. The company was founded in 1936 by Leo Goodwin Sr., an agent for the Government Employees Insurance Company (hence the name). Originally called Geyco, it became known as GEICO in 1939 when it was purchased by a group of investors led by Lorimer Davidson. The company has been publicly traded since 1949. In 2009, GEICO was ranked first for customer satisfaction among U.S. auto insurers in both J.D. Power’s Initial Quality Study (IQS) and Consumer Reports’ Auto Insurance Satisfaction Study.

What is a s3xually transmitted disease (STD)?

S3xually transmitted diseases are illnesses that are passed from one person to another through s3xual contact. This includes oral, anal and vaginal s3x, as well as s3xual skin-to-skin contact. Some STDs don’t have symptoms so you can have one and not know it.

How do you get a s3xually transmitted disease?

You can get an STD by having vaginal, anal or oral s3x with someone who has an STD. You also can get an STD if your partner has an open sore or wound in their mouth, vagina or anus and then performs oral s3x on you or touches your urethra (pee hole) during s3x without washing their hands first.

What are the symptoms of a s3xually transmitted disease?

Some STDs don’t have symptoms but they still make you more likely to get HIV/AIDS if exposed to it. Other STDs cause sores on the mouth, p*nis, vagina or anus that may itch or burn. You also might have fever, chills, body aches and fatigue.

Itohowo Williams has always been an animal enthusiast and has spent more than ten years working in the pet insurance industry in particular as well as other pet-related sectors. An OnePageSEO Expert. The Pet Insurance Nice Guy. Lover of Pet, Crazy for French Bulldog . Currently Working as a Pet Insurance writer at The goal is to provide valuable insights and tips for pet owners seeking guidance in choosing the right pet insurance plan, with a deep understanding of the factors that impact the cost of pet insurance policies in the Pet Insurance World. With a focus on E.A.T. (Expertise, Authority, and Trustworthiness), Williams is a reliable source for pet owners seeking high-quality pet insurance advice to make informed decisions about their furry friend's health and wellbeing. Follow Williams on twitter @


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