Geico ordered to pay $5.2M to woman who got HPV in a car

nazali · 06-09-2022, 10:49 AM

For once the insurance company get's stiffed. Although I don't know how you can award over 5 mil bucks on this, and how the car insurance company is at fault.

Maybe this can set a trend

"In what we're certain was a surprise to Geico's legal team, arbitration did not go their way. The woman's partner was found liable and the arbitrator approved an award of $5.2 million in damages to be paid out by the insurer despite requests by Geico for a new hearing. The insurance company appealed to the courts on several grounds, claiming that the process denied it the ability to have its day in court. The company's appeal was denied on all points. For anyone who's ever emerged from arbitration feeling that the process leaves something to be desired, this time it's an insurance company who feels that way."

source:
uk.yahoo.com/news/geico-ordered-pay-5-2m

leopard print · 06-09-2022, 10:53 AM

Yeah, the insurance company got stiffed. But the people are also going to get stiffed with higher insurance rates in the end.

infinitekidM2C · 06-09-2022, 11:13 AM

Hahaha omg. I can break this down for anyone interested but that is a damn stretch to consider sex in the car as covered by an auto policy. Your policy usually covers injuries to other persons or vehicles caused by the operation of your insured vehicle. Here, the mere fact that they banged in the car was apparently enough. It's an arbitration ruling, not a court verdict but i think insurers might add a "banging" exclusion to their policies. lmao

Tommy-G · 06-09-2022, 11:42 AM

Thats pennies to them....$38 billion PROFIT last year

zx10guy · 06-09-2022, 11:49 AM

Quote:

Originally Posted by Tommy-G

Thats pennies to them....$38 billion PROFIT last year

Yes, but this sets a very bad precedent where now you'll have every scammer and ambulance chaser filing claims and lawsuits for more ridiculous things similar to this claim.

Wheelwright · 06-09-2022, 11:50 AM

This preposterous ruling, if upheld, would set a dangerous precedent. And as usual the affected insurance companies would pass the extra expense onto the consumers. The US litigation culture is sick.

infinitekidM2C · 06-09-2022, 11:52 AM

There's no precedential value in arbitration rulings. Regardless, the insurance companies would scramble to add the "banging" exclusion i mentioned.

CarsAndGuitars · 06-09-2022, 11:58 AM

How might this impact the recent road head injury story's case?

infinitekidM2C · 06-09-2022, 12:12 PM

Quote:

Originally Posted by CarsAndGuitars

How might this impact the recent road head injury story's case?

i like where your head is at.

vreihen16 · 06-09-2022, 12:14 PM

This whole thought just made me go price umbrella insurance coverage.....

zx10guy · 06-09-2022, 12:23 PM

Quote:

Originally Posted by vreihen16

This whole thought just made me go price umbrella insurance coverage.....

I have umbrella insurance coverage. But it's uncertain as to if the insured took out such a policy. I'm leaning towards no. If that's the case, I don't see how GEICO would be on the hook for a payout more than the coverage limits of the insured's auto policy. With my auto insurance, I have the max you can get which is I think around $250k/500k. I took out an umbrella to cover beyond that.

infinitekidM2C · 06-09-2022, 12:34 PM

Quote:

Originally Posted by zx10guy

I have umbrella insurance coverage. But it's uncertain as to if the insured took out such a policy. I'm leaning towards no. If that's the case, I don't see how GEICO would be on the hook for a payout more than the coverage limits of the insured's auto policy. With my auto insurance, I have the max you can get which is I think around $250k/500k. I took out an umbrella to cover beyond that.

Yes you spotted a good question.

So the way it works is that if a settlement demand is made within the policy limits but the insurance company refuses to settle, if the verdict is above the policy limits, then the insurance company can be on the hook for the entire verdict even beyond the policy limits (called "opening the policy"). It's to keep insurance companies from refusing to reasonably resolve.

Nuckle · 06-09-2022, 12:39 PM

A lot of people likely have received new policy documents in their inbox lol.

Tambohamilton · 06-09-2022, 01:05 PM

Quote:

Originally Posted by zx10guy

Yes, but this sets a very bad precedent where now you'll have every scammer and ambulance chaser filing claims and lawsuits for more ridiculous things similar to this claim.

Exactly, and insurance prices will only rise as a consequence

iminhell1 · 06-09-2022, 01:10 PM

I have spilt soooo much blood repairing my vehicles.

I need to sue.

Buug959 · 06-09-2022, 04:03 PM

Quote:

Originally Posted by iminhell1

I have spilt soooo much blood repairing my vehicles.

I need to sue.

Yep, my DNA is all over my vehicles too. Shall we start a class action suit? Who's in?

RickFLM4 · 06-09-2022, 05:54 PM

Quote:

Originally Posted by Tommy-G

Thats pennies to them....$38 billion PROFIT last year

That’s their revenue not profits.

2000cs · 06-09-2022, 08:10 PM

I’d better check my homeowners policy, motorhome policy, motorcycle policy and most important the motor boating policy!

06-09-2022, 10:49 AM	#1
nazali Major 1312 Rep 1,146 Posts Drives: 230 2020 vert F23 Join Date: Jun 2020 Location: Total Wack Job iTrader: (0)	Geico ordered to pay $5.2M to woman who got HPV in a car For once the insurance company get's stiffed. Although I don't know how you can award over 5 mil bucks on this, and how the car insurance company is at fault. Maybe this can set a trend "In what we're certain was a surprise to Geico's legal team, arbitration did not go their way. The woman's partner was found liable and the arbitrator approved an award of $5.2 million in damages to be paid out by the insurer despite requests by Geico for a new hearing. The insurance company appealed to the courts on several grounds, claiming that the process denied it the ability to have its day in court. The company's appeal was denied on all points. For anyone who's ever emerged from arbitration feeling that the process leaves something to be desired, this time it's an insurance company who feels that way." source: uk.yahoo.com/news/geico-ordered-pay-5-2m
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06-09-2022, 10:53 AM	#2
leopard print Lieutenant 1570 Rep 390 Posts Drives: Really well for an Asian. Join Date: Jan 2016 Location: Los Angeles, CA iTrader: (5)	Yeah, the insurance company got stiffed. But the people are also going to get stiffed with higher insurance rates in the end.
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06-09-2022, 11:13 AM	#3
infinitekidM2C Major General 4207 Rep 5,728 Posts Drives: 2019 M2 Competition Join Date: Nov 2007 Location: Orange County, CA iTrader: (4) Garage List 2019 M2 COMPETITION [9.50] 2008 135i (my old car) [7.39]	Hahaha omg. I can break this down for anyone interested but that is a damn stretch to consider sex in the car as covered by an auto policy. Your policy usually covers injuries to other persons or vehicles caused by the operation of your insured vehicle. Here, the mere fact that they banged in the car was apparently enough. It's an arbitration ruling, not a court verdict but i think insurers might add a "banging" exclusion to their policies. lmao
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06-09-2022, 11:42 AM	#4
Tommy-G Captain 4491 Rep 694 Posts Drives: 2015 435 Vert Alpine White Join Date: Apr 2010 Location: Bradenton FL iTrader: (0)	Thats pennies to them....$38 billion PROFIT last year
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06-09-2022, 11:50 AM	#6
Wheelwright Captain 463 Rep 779 Posts Drives: M235i (6MT fakerich edition) Join Date: Apr 2008 Location: Canada, Oak Ridges iTrader: (0)	This preposterous ruling, if upheld, would set a dangerous precedent. And as usual the affected insurance companies would pass the extra expense onto the consumers. The US litigation culture is sick.
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06-09-2022, 11:52 AM	#7
infinitekidM2C Major General 4207 Rep 5,728 Posts Drives: 2019 M2 Competition Join Date: Nov 2007 Location: Orange County, CA iTrader: (4) Garage List 2019 M2 COMPETITION [9.50] 2008 135i (my old car) [7.39]	There's no precedential value in arbitration rulings. Regardless, the insurance companies would scramble to add the "banging" exclusion i mentioned.
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06-09-2022, 11:58 AM	#8
CarsAndGuitars Lieutenant 2064 Rep 544 Posts Drives: 2022 M240i Join Date: Mar 2022 Location: South FL iTrader: (0)	How might this impact the recent road head injury story's case? __________________ 2022 BMW M240i Portimao Gone: 2020 Genesis G70 3.3T \| 2018 Audi A5 SportBack \| 2015 Challenger Scat Pack \| 2011 Mustang V6 \| numerous others..
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06-09-2022, 12:14 PM	#10
vreihen16 Recovering Perfectionist 15282 Rep 941 Posts Drives: 2015 BMW i3 BEV Join Date: Jun 2019 Location: Orange County, NY iTrader: (0) Garage List 2014 Mighty Freight ... [0.00] 2015 BMW i3 BEV [0.00] 2000 Audi TT Quattro [0.00] 1967 Formula Vee [0.00]	This whole thought just made me go price umbrella insurance coverage..... __________________ 2015 BMW i3 BEV, Giga World (Lodge interior), Tech/Driving Assist Packages, 30K miles
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06-09-2022, 12:39 PM	#13
Nuckle Captain 2218 Rep 600 Posts Drives: 2023 Defender X Join Date: Aug 2017 Location: Birmingham, AL iTrader: (0)	A lot of people likely have received new policy documents in their inbox lol.
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06-09-2022, 01:10 PM	#15
iminhell1 C2H5OH 3915 Rep 2,144 Posts Drives: 2010 SG 135i auto Join Date: May 2015 Location: Darwin, MN iTrader: (1)	I have spilt soooo much blood repairing my vehicles. I need to sue.
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06-09-2022, 08:10 PM	#18
2000cs Captain 3503 Rep 1,004 Posts Drives: Potato Join Date: Feb 2012 Location: USA iTrader: (1)	I’d better check my homeowners policy, motorhome policy, motorcycle policy and most important the motor boating policy!
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