GEICO to pay $5,000,000 for insured having sex in car! Will this affect insurance?

[Rainger99]

Interesting article on insurance coverage! If you thought insurance rates were high, wait until this gets factored into insurance rates! And would this apply to home insurance??

Woman who claims she got an STD from ex-awarded $5.2 million from his insurance company | Daily Mail Online (https://www.dailymail.co.uk/news/article-10897967/Woman-claims-got-STD-ex-awarded-5-2-million-insurance-company.html)

[retiredguy123]

Interesting article on insurance coverage! If you thought insurance rates were high, wait until this gets factored into insurance rates! And would this apply to home insurance??

Woman who claims she got an STD from ex-awarded $5.2 million from his insurance company | Daily Mail Online (https://www.dailymail.co.uk/news/article-10897967/Woman-claims-got-STD-ex-awarded-5-2-million-insurance-company.html)
I doubt that it will affect auto or homeowner's rates at all. When I got an auto insurance quote from Geico last year, the maximum liability coverage they would offer was $250K. They wouldn't even sell me a one million dollar policy. So, the only way this guy has $5 million in coverage is if he has a separate umbrella policy, that have different rate structures and risk assessments than regular policies. Most home and auto policies are limited to no more than $1 million in liability coverage and some companies have much lower limits.

[dewilson58]

Interesting article on insurance coverage! If you thought insurance rates were high, wait until this gets factored into insurance rates! And would this apply to home insurance??

Woman who claims she got an STD from ex-awarded $5.2 million from his insurance company | Daily Mail Online (https://www.dailymail.co.uk/news/article-10897967/Woman-claims-got-STD-ex-awarded-5-2-million-insurance-company.html)

Education is wonderful rather jus posting fear.

The other poster is correct..............there are limits & exclusions.
Not sure of any policy that pays during a criminal act.

Also Geico is a $40BILLION company, $5mil is the CEO's annual bonus.

:ohdear::ohdear:

[MartinSE]

If it wasn't true, I would think this was satire. Sounds like the inmates are running the asylum.

[Stu from NYC]

How is this an insurance matter?

[Chi-Town]

The gecko was the defense attorney.

[Stu from NYC]

The gecko was the defense attorney.

Why insult the poor defenseless gecko? He had a fool for a client.

[Rainger99]

I doubt that it will affect auto or homeowner's rates at all. When I got an auto insurance quote from Geico last year, the maximum liability coverage they would offer was $250K.

If you have $250,000 coverage and the judgment is for $5 million, the first $250,000 would come from Geico. I read everyday about home insurance rates going up because the homeowner's insurance had to pay $15,000 - $20,000 for a new roof. If paying $15,000 to $20,000 causes your home insurance to go up, I would expect that paying $250,000 would cause rates to go up even more.

[dewilson58]

If you have $250,000 coverage and the judgment is for $5 million, the first $250,000 would come from Geico. I read everyday about home insurance rates going up because the homeowner's insurance had to pay $15,000 - $20,000 for a new roof. If paying $15,000 to $20,000 causes your home insurance to go up, I would expect that paying $250,000 would cause rates to go up even more.

You really should delete your post.

:ohdear::ohdear::ohdear:

It's not paying $20k for a roof that is causing rates to go up.............it's paying for THOUSANDS of new roofs.

:ohdear::ohdear::ohdear:

[Rainger99]

You really should delete your post.

:ohdear::ohdear::ohdear:

It's not paying $20k for a roof that is causing rates to go up.............it's paying for THOUSANDS of new roofs.

:ohdear::ohdear::ohdear:

If this is the only case in the country, it won't affect our rates. However, I expect that lawyers are looking at this decision and trying to figure out how they can benefit from it.
The Center for Disease Control and Prevention (CDC) estimates that there are approximately 20 million new STD infections each year. If only 5% sue, that would be 1,000,000 lawsuits.

[MartinSE]

I agree the man was liable for knowing and not telling. I disagree that geico was likable.

[dewilson58]

I agree the man was liable for knowing and not telling. I disagree that geico was likable.

I like Geico, very likable.

[MartinSE]

If this is the only case in the country, it won't affect our rates. However, I expect that lawyers are looking at this decision and trying to figure out how they can benefit from it.
The Center for Disease Control and Prevention (CDC) estimates that there are approximately 20 million new STD infections each year. If only 5% sue, that would be 1,000,000 lawsuits.

You know what 500 lawyers at ghe bottom of the ocean is?

A good start

[Number 10 GI]

Where do we get these idiots that make such ludicrous decisions?

[dewilson58]

Where do we get these idiots that make such ludicrous decisions?

I could answer, but it would be political and deleted.

:pepper2:

[Stu from NYC]

Where do we get these idiots that make such ludicrous decisions?

They do seem to be easy to find.

[kkingston57]

Education is wonderful rather jus posting fear.

The other poster is correct..............there are limits & exclusions.
Not sure of any policy that pays during a criminal act.

Also Geico is a $40BILLION company, $5mil is the CEO's annual bonus.

:ohdear::ohdear:

I was in the insurance adjusting business. I researched the case and GEICO should have to pay it unless there are other courts who could over ride this appelate court decision. This is a much more complicated case than portrayed in the original article.

[HIgolfers]

They do seem to be easy to find.

Where do we get these idiots that make such ludicrous decisions?

It sounds like the Arbitrator made the decision. Blame him/her.

[DAVES]

I doubt that it will affect auto or homeowner's rates at all. When I got an auto insurance quote from Geico last year, the maximum liability coverage they would offer was $250K. They wouldn't even sell me a one million dollar policy. So, the only way this guy has $5 million in coverage is if he has a separate umbrella policy, that have different rate structures and risk assessments than regular policies. Most home and auto policies are limited to no more than $1 million in liability coverage and some companies have much lower limits.

These stories are designed to grab attention. Reality has little or nothing to do with it.
The chosen words-SEX while driving. Would not grab any attention, Driver was distracted while driving.

[RICH1]

I love Missouri…. another sister and brother settlement!
Sex in a Hyundai, classy couple.

[dewilson58]

I was in the insurance adjusting business. I researched the case and GEICO should have to pay it unless there are other courts who could over ride this appelate court decision. This is a much more complicated case than portrayed in the original article.

Please share the guy's policy which your conclusion is based.

[MartinSE]

I was in the insurance adjusting business. I researched the case and GEICO should have to pay it unless there are other courts who could over ride this appelate court decision. This is a much more complicated case than portrayed in the original article.

Thank you, I am not really interested in this, but I am glad to hear you say that. If it really was as simple as the article made it out, it would be incredulous.

[thevillages2013]

Interesting article on insurance coverage! If you thought insurance rates were high, wait until this gets factored into insurance rates! And would this apply to home insurance??

Woman who claims she got an STD from ex-awarded $5.2 million from his insurance company | Daily Mail Online (https://www.dailymail.co.uk/news/article-10897967/Woman-claims-got-STD-ex-awarded-5-2-million-insurance-company.html)

This is a classic case of the judicial system run amuck. Is that the only place they had sex? How in the hell could they tell she contracted it in the car?

[Rainger99]

This is a classic case of the judicial system run amuck. Is that the only place they had sex? How in the hell could they tell she contracted it in the car?
I was wondering that myself. I would assume that they might have had access to more comfortable venues like his house. But if they had sex at his house, would his home insurance have to pay? Does anyone here work for The Villages’ Insurance?

[Stu from NYC]

What do they have against good old fashioned sex. In a bed.

[Taltarzac725]

Cause | Wex | US Law | LII / Legal Information Institute (https://www.law.cornell.edu/wex/cause#:~:text=In%20tort%20law%2C%20the%20plaintiff ,the%20but%2Dfor%2Dtest).

The use of the car had nothing to do with this harm unless maybe the marketing of cars as romantic get-aways.

[Number 10 GI]

Watch the movie "Idocracy", it explains everything. I need to watch it again so it is fresh in my mind.

[BlackHarley]

They must have called that ambulance chaser that's 'for the people'.

[MandoMan]

Interesting article on insurance coverage! If you thought insurance rates were high, wait until this gets factored into insurance rates! And would this apply to home insurance??

Woman who claims she got an STD from ex-awarded $5.2 million from his insurance company | Daily Mail Online (https://www.dailymail.co.uk/news/article-10897967/Woman-claims-got-STD-ex-awarded-5-2-million-insurance-company.html)

While your source, the London Daily Mail Online, may in this case be accurate, here is what Wikipedia says about that source: “It has also been noted for its unreliability and widely criticised for its printing of sensationalist and inaccurate scare stories of science and medical research and for instances of plagiarism and copyright infringement. In February 2017, editors on the English Wikipedia banned the use of the Daily Mail as a source.” This is the same sensationalizing newspaper that published these lies about The Villages in 2014:
Ten women to every man, a black market in Viagra, and a 'thriving swingers scene': Welcome to The Villages, Florida, where the elderly residents down Sex on the Square cocktail in 'honor' of woman, 68, arrested for public sex with toyboy | Daily Mail Online (https://www.dailymail.co.uk/news/article-2657325/Ten-women-man-black-market-Viagra-thriving-swingers-scene-Welcome-The-Villages-Florida-elderly-residents-Sex-Square-cocktail-honor-woman-68-arrested-public-sex-toyboy.html)
The paper sold a lot of papers with those titillating claims at the cost of our reputation. A ratio of ten women here to every man? One phone call could have dispelled that wild myth.

[Captainpd]

Once again, this thread has been stolen by the "roof" thieves. But what the heck, here it goes again. Your insurance rates increase was driven mainly by the increased cost to replace your house. While no one was complaining when their home value increased by 34%, they are quick to blame a rate increase on the roof. If you have any business sense, you can certainly put the pieces together. But just in case, here's a quick example. You hold a policy for my house valued at $400000 at $1500 a year . And said house is now valued at $525000, an increase of approximately 34%. Can you really think that I am going to insure that house for the same amount?? No one complained about the value increase but bitch about the rate increase. It's a business that plays the odds of payouts. The roofs may have played a small part but the replacement cost was/is the driver in the rate increase.

[Joe C.]

I wonder if the settlement also includes the cleaning of the upholstery.

[bimmertl]

CNN summary of case.

Geico ordered to pay Missouri woman $5.2 million after she contracted STD in a car - CNN (https://www.cnn.com/2022/06/09/us/geico-insurance-std-settlement-missouri/index.html)

Court of Appeals decision.

https://www.courts.mo.gov/file.jsp?id=187183

[OhioBuckeye]

Education is wonderful rather jus posting fear.

The other poster is correct..............there are limits & exclusions.
Not sure of any policy that pays during a criminal act.

Also Geico is a $40BILLION company, $5mil is the CEO's annual bonus.

:ohdear::ohdear:

Well we can post whatever we want, it’s not going to change gas prices!

[JWGifford]

Wow, that guy really took a pounding.

[jmpalladino]

Interesting article on insurance coverage! If you thought insurance rates were high, wait until this gets factored into insurance rates! And would this apply to home insurance??

Woman who claims she got an STD from ex-awarded $5.2 million from his insurance company | Daily Mail Online (https://www.dailymail.co.uk/news/article-10897967/Woman-claims-got-STD-ex-awarded-5-2-million-insurance-company.html)

Of course it will, especially here in The Villages (LOL).

[kkingston57]

CNN summary of case.

Geico ordered to pay Missouri woman $5.2 million after she contracted STD in a car - CNN (https://www.cnn.com/2022/06/09/us/geico-insurance-std-settlement-missouri/index.html)

Court of Appeals decision.

https://www.courts.mo.gov/file.jsp?id=187183

Thanks for providing. Unless I missed it somewhere, case did not state what happened in the declaratory action. That should be the decision as to whether GEICO owes this award.

If Geico lost or loses declaratory action case, would hope that the legislators change law that allows someone to get an award where in the action taken by the insured/tortfeasor had nothing do with the operation of the car.

[MartinSE]

If Geico lost or loses declaratory action case, would hope that the legislators change law that allows someone to get an award where in the action taken by the insured/tortfeasor had nothing do with the operation of the car.

This sounds reasonable enough. I don't like insurance of any kind, and insurance that I am required to have to drive my car is aggravating.

However, I understand the reasons it is required.

So, I do think that if I am required to have insurance to protect you from how I operate my car, then it should be limited to the operation of my car, not that I decided to do something in my car that was parked (I hope it was parked - LOL!).

[bimmertl]

Thanks for providing. Unless I missed it somewhere, case did not state what happened in the declaratory action. That should be the decision as to whether GEICO owes this award.

If Geico lost or loses declaratory action case, would hope that the legislators change law that allows someone to get an award where in the action taken by the insured/tortfeasor had nothing do with the operation of the car.

Apparently, the dec action is still pending in Federal Court. Here's one link mentioning it.

Geico faces $5.2 million payout to woman who got STD after sex in car - Washington Times (https://www.washingtontimes.com/news/2022/jun/9/geico-faces-52-million-payout-to-woman-who-got-std/)

[DaleDivine]

:popcorn::popcorn:

[TCRSO]

The case was based upon whether the insurance company could appeal an arbitration ruling. Because of steps the insurance company took in denying the claim, it was barred from seeking an appeal.

[DAVES]

Once again, this thread has been stolen by the "roof" thieves. But what the heck, here it goes again. Your insurance rates increase was driven mainly by the increased cost to replace your house. While no one was complaining when their home value increased by 34%, they are quick to blame a rate increase on the roof. If you have any business sense, you can certainly put the pieces together. But just in case, here's a quick example. You hold a policy for my house valued at $400000 at $1500 a year . And said house is now valued at $525000, an increase of approximately 34%. Can you really think that I am going to insure that house for the same amount?? No one complained about the value increase but bitch about the rate increase. It's a business that plays the odds of payouts. The roofs may have played a small part but the replacement cost was/is the driver in the rate increase.

Insurance is understood by few. First of all home insurance, for fire, flood etc you insure the building. The land will not disappear. There is also the property inside,
furniture etc. Hurricane damage has a higher deductible. All insurance companies are great-till you try to collect. Great ads. One has that damn lizard. Another the babe.
What you should be doing is reading the fine print. Far as cost, if you raise the deductible, raise what you self insure, you will pay less. For that matter, if there is no mortgage on your home you can choose to accept the full risk and not purchase any insurance.

[DAVES]

The case was based upon whether the insurance company could appeal an arbitration ruling. Because of steps the insurance company took in denying the claim, it was barred from seeking an appeal.

I've said this before. Our legal system. There is right, there is wrong, there is fair, there is proper AND THEN THERE IS LEGAL, they are not the same but should be.

[Rainger99]

Another the babe. For that matter, if there is no mortgage on your home you can choose to accept the full risk and not purchase any insurance.

Not sure who the babe is.

As to accepting full risk, you are only referring to property damage to the house and contents. Insurance also covers liability should some one fall on your property. That could save you hundreds of thousands of $. The insurance company would pay for the defense and indemnity up to the policy limits. That would be expensive to pay out of pocket!