In December 2019, a woman identified in court documents as M.O. had unprotected sex with someone in the person’s GEICO-insured vehicle, a 2014 Hyundai Genesis, in Jackson County, Missouri. The insured person knowingly had HPV but did not disclose this information to M.O., later saying he was not aware he could transmit the virus. However, M.O. contracted the sexually transmitted disease.
Infected with HPV, M.O. submitted a third-party insurance claim to the GEICO insurance company, wanting coverage for her bodily injuries arising from the HPV, along with damages for pain and suffering under the insured’s personal umbrella and personal auto insurance policies. In April 2021, GEICO denied this coverage, rejecting her settlement offer.
The next month, the courts awarded M.O. $5.2 million in damages — $4.7 million less than her requested amount, but still a significant payday.
In June 2022, GEICO filed an appeal against the Jackson County Court, saying the company didn’t have a meaningful opportunity to defend its interests.1 GEICO sued both the insured driver and M.O. herself.