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After contracting an STD while having SEX in her partner’s car, a woman receives a £4.1 million award.

After contracting an STD while having sex in the back of her partner’s Hyundai, a lady was awarded a massive £4.1 million compensation from her auto insurance company.

The woman, identified only as M.O. in court documents, said she caught the human papillomavirus (HPV) from her lover while having sex in the back of his car.

He was covered by GEICO General Insurance Company, and she informed them in February 2021 that she wanted to sue them for the damages she had suffered as a result of their client’s negligence.

According to, despite knowing he had HPV and throat cancer, the guy continued to have sex with M.O. without informing her of the risks, which “directly caused, or directly contributed to cause” the infection.

The woman was awarded a £4.1 million settlement by the Jackson County Circuit Court, which will be paid by the man’s insurance company, GEICO.

Following the Jackson County Circuit Court’s decision in M.O.’s favor, court filings show that

The case was appealed to the Missouri Court of Appeals by GEICO. According to, they claimed the judgment violated their right to due process and that the settlement was unenforceable.

However, after reviewing the case, a panel of three judges ruled that the outcome was correct and that the insurance company was obligated to pay the £4.1 million compensation.

“After M.O. contracted anogenital human papillomavirus, she submitted a settlement offer to GEICO, asserting that Insured negligently infected her with the disease during sexual encounters in his automobile, and that Insured’s GEICO-issued automobile insurance policy provided coverage for her injuries and losses,” according to the Missouri Court of Appeals ruling.

“…The arbitrator ruled that Insured afflicted M.O. with HPV recklessly and awarded her $5.2 million in damages.

“…In 2017, M.O. and Insured began a romantic relationship, which was made possible by a GEICO motor insurance coverage issued to Insured at the time.

“On February 25, 2021, M.O. sent GEICO a copy of a petition she planned to file against Insured, as well as a final settlement offer to resolve her’claims against Insured for the applicable limits of $1 million.’

“According to the petition attached to the settlement offer, Insured and M.O. engaged in unprotected sexual activities in Insured’s vehicle during ‘November and early December of 2017,’ and during those sexual encounters, Insured ‘negligently caused or contributed to cause M.O. to be infected with HPV by not taking proper precautions and neglecting to inform and/or disclose his diagnosis,’ despite ‘having knowledge of his condition.’

“If you think at it as an injury received while in that person’s vehicle, then it definitely falls within what an insurance company would be required to pay,” Los Angeles personal injury attorney Miguel Custodio told the Daily Mail.

“Most passenger injuries occur as a result of an accident or slamming the door on one’s fingers, or something similar. While the case over obtaining an STD from the insured driver may be the first of its type, this award illustrates that filing a lawsuit against an insurance company for any activities that occur in a motor vehicle is not out of the question.

“The takeaway here is that people need to extend their definitions of what constitutes an injury.” Most people do not consider developing this condition to be a vehicle-related injury, but it most certainly is.”


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