mindgarden saidOf course, nowadays with nucleic acid sequencing technology, it's technically possible to determine exactly who gave what to whom. If there's that much money in it, insurance companies will start paying for the tests.
Sexually transmitted diseases are excluded from coverage in all the personal liability and personal umbrella polices that I've seen in my state. Not sure what
goes on in Oregon, but I'll bet it's similar there.. no need for an insurance company to do any testing..
Really? I don't recall that in the exclusions, but I haven't read it in a long time. But... even better. They they wouldn't have any reason to sue in the first place. They'd sue, like, the motel, or the taxi company that drove them to the hook-up.