Geico must pay a Missouri woman $5.2M after she caught HPV from unprotected sex with her then-boyfriend in his insured automobile, a state appellate court rules. https://t.co/SC5xgeZcuW
It's a total bullshit! Geico only agreed to take on the risks of vehicle collision, theft and probably roadside assistance. Where in the contract does it state that the policy also covered infectious diseases? If the driver's dog had a cancer, is Geico also responsible for the vet's bills?
A longshot would be the personal injury protection in car insurance. But it usually has a cap of $10K or $20K, nowhere near the $5.2M award decided by the court. It's a highway robbery!
新闻说GIECO没上庭，所以上诉被驳回。
Geico appealed, claiming it never had a chance to contest the claim.
"But GEICO did have the opportunity to participate and defend its interests — including the ability to challenge liability and damages — by entering a defense of Insured," according to the appeals court opinion, which put the word "did" in bold italics.
查了下英文， 非常奇怪法官的思维， 保险公司一开始就否决赔偿了， 这就是defend the lawsuit !!
The court wrote in its decision that Geico may have been able to avoid the payout if they had defended the woman's sexual partner – the owner of the insured car.
Instead, because they chose to deny coverage, their path of legal recourse was compromised.
美国一名女子和男友为了寻求刺激，时常在车上进行性行为，但没想到，她的男友竟隐瞒自己感染HPV，导致自己在无套性行为下也被感染。她和男友在法院上达成和解后，要求车险公司必须赔偿，最终法院也判女子胜诉，车险公司需支付女子520万美元的保险金。
根据CNN报导，密苏里州一名女子在2017年11月至12月间，时常和男友在车上进行性行为，且双方都没有使用保险套，最后男友坦承，自己早已感染人类乳突病毒（HPV），导致这名女子也被感染。她一气之下将男友告上法院，最后两人达成协议，这名女子最多可获得520万美元的赔偿，但必须自行向男友的车险公司GEICO申请。
起初GEICO认为，这并不在车辆保险的范围，因此拒绝支付。根据杰克森郡巡回法院文件显示，女子认为由于伴侣没有采取适当的预防措施，且忽视披露与告知其诊断结果，最终导致她感染HPV，而伴侣的保险单替她的伤害和损失提供了赔偿，因此向GEICO要求100万美元（约台币2980万元）的和解金。
GEICO认为这非车辆保险涵盖范围，拒绝和解提议，此案被交由另一位仲裁员，而这位仲裁员认定，这对伴侣在车内的性行为“直接或间接”导致HPV感染，要求GEICO赔偿520万美元，而GEICO继续上诉。密苏里州上诉法院7日裁定，GEICO无权就这些问题进行法律诉讼，要求该公司得赔偿女子520万美元。