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Im not saying I disagree with you at face value, I agree how crazy this is but this is todays world and the award was not from some jury, it was from an arbitration panel that Geico forces you use when a suit against them!
Furthermore when Geico objected to the settlement, a court ruled that Geico has no right to object, arbitration forced by Geico can not be contested by either party. More or less you as a customer are forced into arbitration and the ruling is final, what gives Geico the right to contest when that is their own rules?
Ok, here is what I find interesting, the analogy that you use with getting food poisoning isnt the same situation. The car wasnt owned by the restaurant and the restaurant wasnt knowingly providing you with food poisoning.
In this case, the person with the STD whom is insured by Geico used his car which is insured by Geico to have sex with a woman knowing he had an STD.
So we have three things here against Geico;
1. the car AND the boyfriend are insured by Geico.
2. the arbitration panel Geico forced the woman to use made its ruling and that ruling is final according to Geicos owns rules.