OV9

Clicky.

How can this be right?

Sounds like it's more procedural than on merits:

Geico appealed the judgement. But on Tuesday, a three-judge panel confirmed the lower court's ruling and said the insurance company failed to defend its own interests by entering a defense of the insured man.

"Geico did not take advantage of this opportunity, and instead denied coverage and refused to defend Insured," the opinion said.

They didn't interact with the case and properly defend themselves/thier customer, and the latter appeal court is just confirming that means they'd need to find a different way to appeal?

I'm sure some of the more legal minded types can pull that apart in more detail but it sounds like Geico didn't do the right paperwork/procedures to avoid this outcome, which is a bit concerning given that you'd hope a big insurance company would be moderately competent at this stuff for thier own sake of nothing else

Does anyone have an STI they’d like to share with me? Preferably not HIV