Insurance company ordered to pay woman $5.2 million after claim she caught STD from male partner during sex in his car

Insurance company Geico has been ordered to fork over $5.2 million to a Missouri woman on the heels of her claim she caught an STD after having sex with a male partner in his car, which was insured by Geico.

Say what?

A Missouri court on Tuesday upheld a judgment awarding the money to the woman —referred to as "M.O." in court documents — who claimed she caught the human papillomavirus after having sex in 2017 with a male partner in his 2014 Hyundai Genesis, CBS News reported, citing a 2021 complaint.

The woman learned in 2018 she had HPV and claimed the man also knew he had it but failed to tell her, leaving her with "past and future medical expenses" and "mental and physical pain and suffering," CBS News added.

The woman told Geico she was pursuing legal action against the man, claiming she was negligently infected in the vehicle and that the car insurance policy should provide coverage for her injuries and losses, the network reported.

M.O. asked Geico for $1 million, CBS News said, citing the complaint — and she wrote, "Let me know."

Uh, no

Geico denied the coverage and rejected her claim, the network said. With that, the woman and man entered arbitration, and the arbitrator found the man negligently infected her and awarded damages of $5.2 million to M.O. to be paid by Geico, CBS News added.

Geico appealed the arbitrator's decision, but the Missouri court ruled that Geico had no legal grounds to appeal on several points, the network said. While Geico claimed it was "denied the right to litigate its interests before judgment was entered against its insured," CBS News reported that the court said Geico had a chance to do so when the woman contacted the insurance company claiming it should cover her injury and losses.

"Geico did not take advantage of this opportunity, and instead denied coverage and refused to defend Insured," the court noted, according to the network.

CBS News said Geico didn't immediately respond to its request for comment.