We are required to carry auto insurance in case we cause an accident. I have always heard that if you can prove you have a bunch of money that you don’t have to, but I’ve never tried to verify that information. I don’t have a ton of money so it wouldn’t change anything for me.
Most would agree that no one shifts their car into “drive” purposefully expecting to race off and get into a wreck. That wouldn’t make much sense.
That’s why these protective policies are often referred to as “accident insurance.” Accidents happen for various reasons. Road conditions or inclement weather frequently play a role in why someone makes a mistake. Also, bad drivers cause wrecks.
Driver incompetence is all-too-often the reason. That’s why we have insurance. But one Missouri woman was awarded a healthy settlement from a well-known insurer, not because of an auto accident but because of a rather bizarre type of owner/operator error.
In February 2021, this woman filed a claim with Geico seeking damages. She wasn’t injured in a wreck in the car in question, or anything like that. The woman, referred to as “M.O.”, had sex inside the insured vehicle. Furthermore, she insists that she contracted HPV, the human papillomavirus, during a sexual encounter in her boyfriend’s car. How this woman ended up with a $5.2 million arbitration settlement is beyond me. It doesn’t even make sense that this case would have even been considered.
Geico will apparently challenge the decision in federal court. Who in their right mind would believe they could sue for catching an STD in a car?
Being able to sue and win a monetary award for having caught something while in a car brings a whole new meaning to “driver liability”. Would this woman be entitled to compensation if her boyfriend had sneezed and given her a cold? This may seem funny, but it’s a legitimate question. There has to be a line somewhere, so where is it and why is it there?
These nonsense lawsuits are a huge problem in our society. They drive up the price of things for sensible Americans. If this woman had contracted her STD on a mattress in her bedroom, would the mattress manufacturer be liable? What about her home or renter’s insurance company? That makes about as much sense as this settlement.