[Alberta's Child]

That’s outlandish, but even in that scenario I can’t see how an STD would ever amount to a $5.2 million claim.

[JoJo354]

Maybe Geico should pay her so much a week and all in pennies. Or dimes. I think that would be hilarious.

[Yo-Yo]

Apparently there is more to the story. There is a federal lawsuit filed by Geico to challenge their liability for transmitting an STD in an insured vehicle as a covered "accident" under the car policy.

In spite of the phrasing of the quoted portion of the story, all the Missouri judge did was to say that Geico had no standing to relitigate the $5.2 million finding by an arbitrator, and Geico said that the issue will be settled in federal court via the federal lawsuit already filed.

The woman alerted Geico that she was pursuing legal action against the man, claiming that she was negligently infected in the vehicle and that the car insurance policy should provide coverage for her injuries and losses. According to the complaint, M.O. asked Geico for $1 million. "Let me know," she wrote.

Geico denied the coverage and rejected her claim. After that, M.O. and the man entered arbitration, and the arbitrator found that the man had negligently infected her and awarded damages of $5.2 million to M.O., which were to be paid by Geico.

Geico appealed the judgment, but the Missouri ruling on Tuesday found that the insurer lacked legal grounds to appeal on several points, including that it "had no right to relitigate" issues after liability and damages had been set by an arbitrator and confirmed by a trial court.

In a statement to CBS MoneyWatch, Geico said, "The question of whether there is coverage for this matter will be determined" by a federal lawsuit filed in the U.S. District Court for the Western District of Missouri.