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Do auto policies cover STDs contracted in a vehicle?

In a court case considering the matter, an insurance company argues the plaintiff should have taken prophylactic measures.

By Hannah Smith | October 29, 2021 at 01:00 AM
Geico argued that the auto policy only applied to bodily injuries arising out of the ownership, maintenance or use of the auto, and that the plaintiff’s alleged damages have no nexus to the ownership, maintenance or use of the covered auto. (Credit: NATHAPHAT NAMPIX/Adobe Stock) Geico argued that the auto policy only applied to bodily injuries arising out of the ownership, maintenance or use of the auto and that the plaintiff’s alleged damages have no nexus to the ownership, maintenance or use of the covered auto. (Credit: NATHAPHAT NAMPIX/Adobe Stock)

In another example of someone testing the tensile strength of logic, a Missouri woman sued Geico claiming that she contracted a sexually transmitted disease from an insured after the two had sex inside a car covered by the insurer. The case was heard in The U.S. District Court for the District of Kansas.

According to case filings, the unnamed parties, M.B. (the insured) and M.O.( the defendant) began having a relationship in late 2017. That relationship included participating in consensual sexual activities in M.B.’s 2014 Hyundai Genesis. M.O. alleges that M.B. was previously diagnosed with anogenital human papillomavirus (HPV), a highly contagious sexually transmitted disease, but he failed to tell M.B. about the diagnosis and did not take measures to prevent transferring the virus. At a regularly scheduled gynecological exam in November 2018, M.O was diagnosed with HPV and she later learned she contracted the virus from M.B.

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