It appears a popular insurance company is on the hook for more than $5 million after a Missouri woman sued claiming she contracted a sexually transmitted disease during sex in inside a vehicle.

The woman, whose name has not been released, says she had consensual, unprotected sex with her boyfriend inside his car and ended up with the human papillomavirus human (HPV). She informed Geico of her intention to sue for damages because her boyfriend was insured by Geico and the incident occurred inside his vehicle.

Geico refused a settlement and sent the case to arbitration, reports Kansas City Star:

In May 2021, the arbitrator found that the man and woman had sex inside his vehicle that “directly caused or directly contributed to causing” the HPV infection. The man was found guilty of failing to disclose his HIV status and the woman was awarded $5.2 million in damages and injuries to be paid by GEICO.

On appeal, the Missouri Court of Appeals determined that Geico could not pursue the case, however, one of the three panel judges acknowledged that under current Missouri law, the insurance company had the role of ‘spectator’ in the proceedings and did not really have the opportunity to participate in the proceedings.

Despite this recognition, the arbitrator’s award of $5.2 million in favor of the woman stood.

Although he was unsuccessful in appealing the decision in Missouri, the Star reported that Geico is still challenging the decision in federal court, claiming the matter was not covered by their insurance policy. .