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A Missouri Woman Won $5 Million From GEICO Because She Contracted an STD in a Guy's Car

CNN — A Missouri woman was awarded $5.2 million in a settlement from insurance company GEICO after contracting a sexually transmitted disease from her partner in his vehicle, which was insured by the company, court documents show. The Missouri Court of Appeals upheld that award this week.

The woman, a Jackson County resident, said she contracted Human papillomavirus (HPV) from her partner, according to court documents. On Tuesday, the Missouri Court of Appeals filed an opinion confirming the initial Jackson County Circuit Court arbitration award finding against GEICO.

In February 2021, the woman -- anonymously identified in documents as M.O. -- submitted a petition to GEICO directly. She alleged that her sexual partner negligently caused or "contributed to cause to be infected with HPV by not taking proper precautions and neglecting to inform and/or disclose his diagnosis," according to court documents, and that his "insurance policy provided coverage for her injuries and losses."

She made a final settlement offer of $1 million to resolve her claims, the documents say.

In April 2021, GEICO denied coverage and refused her settlement offer, according to the Missouri Court of Appeals filing. The case was then sent to an arbitrator.

The arbitrator determined that "there was sexual activity in (insured's) automobile" that "directly caused, or directly contributed to cause" the woman to be infected with HPV, despite her former partner's knowledge of his positive HPV diagnosis, according to the filing.

If anything ever goes wrong in your life, find someone to sue. I think this situation pretty much proves there is nothing in America you can't find someone to bring a lawsuit against and potentially become an overnight millionaire.

I can't believe GEICO was responsible for a woman getting HPV. If she had gotten it having sex in this guy's house, could she have sued Farmers or Allstate? I don't see why not. Every insurance company in America has to be sweating bullets right now.

And how about GEICO rejecting a $1 million settlement and then having to pay five times that? I guess that was a defensible decision, given that I don't think anybody knew an arbitrator even could award $5.2 million to someone because she got HPV in a dude's car, but that still has to sting after the fact.

Just sue, man. I'm going to start actively looking for opportunities to sue in my life. What's the worst that happens, you're out a few grand on lawyer fees? Ok, I only need to hit on one GEICO-sized winner out of every 1,000 or so lawsuits to make money. Watch out, New York: Big T is on the lookout for a 'suit.