Kari A. Schabo v. Gov't Employees Insurance Co.

**Employee Loses Insurance Coverage Dispute with GEICO** Kari Schabo worked for Government Employees Insurance Company (GEICO) and had a dispute over her auto insurance coverage. When she was involved in an accident with an uninsured driver, she expected her GEICO policy to cover her damages through uninsured motorist coverage. However, GEICO refused to pay, claiming she wasn't entitled to this protection. The court ruled in favor of GEICO. The appeals court found that the primary policyholder had legally waived uninsured motorist coverage before Schabo was added to the policy. Since this waiver was done knowingly and according to the law, Schabo inherited the policy without that protection and couldn't claim coverage for her accident. **What This Means for Workers:** This case highlights the importance of understanding your insurance benefits, even when provided through your employer. Workers should carefully review their auto insurance policies to know what coverage they have and what has been waived. If your employer offers insurance benefits, ask questions about what's included and excluded. Don't assume you have certain protections just because you work for an insurance company or other employer that offers coverage.