Woman Gets STD In A Car, Sues GEICO, Wins Millions

In a bizarre case regarding STDs and Geico car insurance, a Missouri woman was just awarded over $5M. Her boyfriend, insured by Geico, apparently gave her Human Papillomavirus (HPV) when they had sex in his 2014 Hyundai Genesis. She contracted HPV in 2017 and sued his insurance for her injuries and losses.

The woman is going by the pseudonym M.O. She claims that because her partner knew he had HPV but didn’t tell her, Geico is responsible to cover her injuries and losses. Her boyfriend apparently had a throat tumor that was infected with HPV, and that STD got into her body.

Geico tried to say that the man’s insurance policy didn’t apply because the incident and “damages claimed did not arise out of the normal use of the vehicle.”

Three judges determined the woman to be eligible for the claim because Geico didn’t put up the right kind of fight. Geico basically dumped the boyfriend from his insurance instead of awarding the woman’s initial request for $1M. That was back in April 2021.

As a result, the case went to an arbitrator, who filed with the Jackson Country Circuit Court of Appeals. The court’s opinion stated that:

“At the time of Geico’s intervention, liability and damages had been determined by an arbitrator and confirmed by the trial court. GEICO had no right to relitigate those issues… GEICO did not take advantage of this opportunity, and instead denied coverage and refused to defend Insured.”


It’s been noted that Geico can still bring this case to the Supreme Court to try to get the verdict overruled. It almost seems impossible for Geico not to do this—because let’s be real. A lot of people play the naked scissor game in their vehicles. And does Geico really want to be responsible for all the accidental STDs that come along with that?

What do you think?

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