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Woman gets $5M from Geico for contracting STD in a car (2 Viewers)
- Thread starter gianmarco
- Start date
rockaction
Footballguy
Gives the band name Car Seat Headrest new meaning.
Drunken knight
Footballguy
Was this a Seinfeld episode?
Beef Ravioli
Footballguy
the moops
Footballguy
AAABatteries
Footballguy
Spin off thread - how much would it take for you to get a STD on purpose? I don’t know anything about HPV but if it were one of those where it just burns when I pee then I’m thinking 5M is “sign me up”.
GroveDiesel
Footballguy
culdeus
Footballguy
Drunken knight
Footballguy
I was thinking of a combo between the tractor and the bo
GroveDiesel
Footballguy
That’s not my understanding. My understanding is she made a claim and it was denied. So she sued them and it went to arbitration because that’s what their policies require. But they lost, surprisingly, in arbitration to the tune of $5M. GEICO then tried to get the arbitration decision thrown out and moved into actual court but was denied and now they’re in a place of trying to argue that their own arbitration clause was garbage and shouldn’t have been allowed, or some such garbage.
At least that’s the way I heard it on the news.
the moops
Footballguy
-fish-
Footballguy
Sort of. She sued the guy, he tendered to Geico. They denied defense and coverage so he went to arbitration and settled (guarantee it was a settlement with a covenant not to execute with an assignment of rights against Geico). Geico then tries to appeal, but loses. Since they didn't defend, it's bad faith and their limits no longer apply.
They screwed themselves by denying defense,
Leroy Hoard
Footballguy
Leroy Hoard
Footballguy
Parrothead
Footballguy
I learned to drive on a stick shift too
No one from a personal insurance standpoint unless you have a high net worth. Maybe commercial insurance but geico writes mostly personal.
CletiusMaximus
Footballguy
The article doesn’t say what the policy limits are. The arbitrator would likely make an award without reference to limits. As @Fish notes above, it’s possible Geico waived its limits by failing to defend their insured. Likely explanation is Geico made a big gamble based on their legal opinion on coverage and lost.
culdeus
Footballguy
Galileo
Footballguy
-fish-
Footballguy
I carry a $5M umbrella. Umbrellas are cheap.
When Geico refused to defend it committed bad faith, so the policy limits no longer matter. They became liable for the entire judgment amount.
Binky The Doormat
Footballguy
geezus ...had I known this was possible years ago, I would have never had to work a day in my life.
belljr
Footballguy
Chris B.
Footballguy
Yep, the insurer did this to themselves, although I can't say I would have played it any differently.
But it's still such an odd angle. The woman's lawyer can drop the mic after this win.
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Leroy Hoard
Footballguy
Phil Elliott
Footballguy
I assume non-renewal of her policy?
Alex P Keaton
Footballguy
Creative. But actually stupid. This shouldn’t have worked. And yes, I work in insurance.-fish- said:
Terminalxylem
Footballguy
Yeah, but almost every sexually active adult has it.GroveDiesel said:
It’s really crazy to think she was awarded that much for a usually benign infection to which we’ve almost all been exposed. But you’re right, it does cause quite a few cancers, and warts.
