Woman asks GEICO for $ 1 million after allegedly contracting HPV from sex in cars


Can 15 Minutes Earn You $ 1 Million In Auto Insurance After You Get The Human Papillomavirus (HPV) From Sex In The Car? This is not how GEICO advertising works. But according to Debra Cassens Weiss writing for the Journal of the American Bar Association (ABA), a woman “demanded $ 1 million from GEICO” after a sexual affair in an automobile left her with more than a steering wheel print. She claimed that carnal knowledge in a car, or more specifically hot and heavy in a Hyundai, gave her HPV.

The Kansas District Oct. 4 court documents used the initials MO for the woman and MB for the person who might have been her back seat driver, so to speak. MB was the owner of the 2014 Hyundai Genesis which served as a makeshift bed. The whole sexy period between MO and MB began in November and early December 2017 and included unprotected sex in the car. In this case, “unprotected” does not mean without auto insurance. MB had two GEICO insurance policies. One was a Kansas family auto insurance policy listing the Hyundai Genesis. The other was an umbrella policy, that is, liability insurance that covers claims beyond those covered by auto insurance and not insurance for the loss of umbrellas. Instead, “unprotected sex” in this case referred to sex without using a protective barrier such as a condom.

According to US District documents detailing the GEICO v MO and MB case, MO claimed that MB did not tell him about his HPV diagnosis or use any protection during their sexy period, even though he knew he was a carrier. of HPV. However, it’s not clear if this was more of an HPV, yeah you know me, situation. MB claimed to have told MO “on three different occasions that he was diagnosed with HPV-positive throat cancer”.

Either way, MO was reportedly diagnosed with anogenital HPV during a routine pelvic exam in November 2018. “Anogenital” is a quick way to say “affecting your anus and genitals”, when you may be. -being in a hurry, like at the supermarket checkout, and you don’t have time for breaks and conjunctions. HPV infection of your anus and genitals can lead to benign lesions such as warts in these areas, but can also eventually lead to malignant lesions such as cervical cancer or anal cancer in these areas. this general region. The court document stated that “she later learned that she had contracted the MB virus”

While sex in a car may put you at a higher risk of having a rear shifter, it is not clear how the act alone can put you at a higher risk of contracting it. HPV. Usually, you can get HPV through direct, intimate physical contact with someone infected with the virus, not from a car. In other words, if you’re wondering if you can get HPV while driving, it’s important to distinguish what you specifically mean by ‘driving’. HPV can live in the epithelial cells that line the surface of the vulva, vagina, cervix, and penis, as well as the mouth and throat. These parts of the body tend to be areas of high use during sex. You won’t often hear someone say, “Let’s have sex, but avoid using our vulvas, vaginas, penises, mouths or throats, no matter how many each of them.”

To avoid getting infected with HPV, you don’t necessarily have to avoid having sex. Instead, take different precautions. First, ask key questions before having sex. “Do you have auto insurance? Is not necessarily one of these key questions. Instead, get to know your potential partner and their history of sex partners and sexually transmitted infections before playing bad. If you have to say “what’s your name again” after sex, you are probably not digging deep enough before such a meeting.

Second, limit the number of sex partners you have. If someone asks you how many mates you’ve had and you have to ask “you mean, since Wednesday,” then you might want to slow things down a bit.

Third, use condoms whenever possible. This means while having sex and not wearing a condom all day. A caveman can do this in a car or elsewhere, but this caveman and anyone else with a penis should use a condom when doing so.

Finally, get the HPV vaccine when you are eligible. The Centers for Disease Control and Prevention (CDC) recommends getting the HPV vaccine at age 11 or 12. You can start the vaccination series from the age of 9. If you are already over this age, you should still get the vaccine as long as you are 26 and under. As I covered for Forbes previously, HPV vaccination can prevent highly preventable cancers such as cervical cancer.

So how the hell did an auto insurance company get involved in this case? Well, look at how on February 25, 2021, MO sent GEICO a letter that stated the following: “Here is the petition that will be filed against your insured, [M.B.]. Before that, we were allowed to make one last attempt to resolve [M.O.’s] claims against your insured for the applicable limits of $ 1 million. Let me know.”

Later that year, MO and MB struck a deal where MO would receive $ 5.2 million. Here’s the twist though. This agreement limited MB’s liability to MO and instead stipulated that MO could collect the price “where appropriate, only from GEICO”. GEICO subsequently declared that it did not even become aware of this agreement until afterwards.

GEICO replied that its insurance policy should not cover such a situation. You can use your car to hit someone and then have sex, but it’s not quite the same as physically hitting someone with your car. Additionally, GEICO pointed out that MB and MO had sex outside of the car. So, unless you are in a “have sex only in the car” relationship, it can be difficult to determine exactly where HPV transmission may have occurred after you have had multiple sex. It’s not like a bell is ringing when HPV has passed from person to person. Additionally, there seems to be some debate as to exactly when MB knew he was infected with HPV.

It is not clear how legal claims and counterclaims will play out between MO, MB and GEICO. But one thing is certain. While GEICO may offer “real service, real savings” and a talking gecko, don’t rely on any type of auto insurance to protect you against HPV. Instead, take real precautions.

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