An appellate panel of the Eighth Circuit convened Wednesday to hear arguments over an uncommon question: can you claim insurance benefits for catching a sexually transmitted disease from car sex? A Missouri woman going by M.O. thinks so. In February 2021 she sent insurance company Geico a $1 million bodily injury claim after her partner M.B. " a Geico policyholder " infected her with HPV in his 2014 Hyundai Genesis. But the couple hadn't used protection, and Geico denied her infection was its responsibility. The District Court of Western Missouri agreed. Geico brought the issue to the federal court in April 2021, and in March 2023 U.S. District Judge Fernando Gaitan Jr. decided the case in the insurance company's favor. "Upon review of the parties' arguments, the court finds that consensual sexual relations inside a car do not constitute a 'use' of the automobile within the meaning of the subject policy," Gaitan wrote in his decision.