Court ruling links auto insurance to effects of sex in the car

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What do you generally consider to be among the items covered by car insurance? If you are in a small collision, for example, the insurance would certainly cover it. The same may apply — depending on your policy — if a tree was to fall on your car or truck, damaging it. But it turns out your insurer could also be liable if someone gets sick after having sex in your car. This is, at the very least, one of the implications of a recent court decision.

An article on The Guardian has more information about the case. In 2017, the plaintiff had sex with her boyfriend in his 2014 Hyundai Genesis. Unfortunately, as a result of this, the plaintiff was infected with, as The Guardian formulates it, “a virus that causes genital warts”.

The plaintiff’s argument in the case was that her boyfriend’s Geico car insurance could be held liable. Geico declined coverage – which turned out to be a fateful decision. The plaintiff was then awarded $5.2 million after going through arbitration – at which point she filed her lawsuit against Geico.

According to the judges who ruled in favor of the plaintiff, Geico had the opportunity to contest the case when filing the original claim, but chose not to. If they had then entered into the claim, the judges ruled that things could have turned out differently. In the end, they said Geico had “no right to raise these issues.”

The article notes that both sides in this case are also engaged in another federal case. Its status is pending.

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