She Had Sex in a Car, Got an STI, and Filed an Auto Insurance Claim

She had sex in a car, got an STI, and filed an auto insurance claim. And unbelievably, it worked.

In this episode, we unpack one of the strangest legal cases in recent memory. A woman contracts an STI after having sex in a parked car, files a claim under the driver’s auto insurance policy, and a court agrees that the infection counts as a covered bodily injury.

Yes. Really.

We walk through the full backstory. Who the people involved were. Why the claim was filed in the first place. How auto insurance bodily injury coverage works. Why the insurer declined to defend the case. How a default judgment happened. And how a Missouri appeals court initially upheld the verdict before the case was ultimately undone.

Along the way, we talk about why proving STI transmission is far more complicated than the lawsuit suggests, why the science matters, and why this case has absolutely nothing to do with personal responsibility or morality and everything to do with contract law, bad legal strategy, and procedural mistakes.

This is not an episode about whether someone deserved money. It is about how bizarre outcomes happen when biology, insurance language, and the legal system collide.

If you have ever wondered how far insurance coverage can be stretched, this episode answers that question in the most unhinged way possible.