On the one hand...this makes the old "McDonalds, hot coffee, and $2.7M" story sound perfectly sane and reasonable by comparison.
On the other hand...over the years, I've had insurance agents describe to me all sorts of nonsensical and freakish situations which an insurance policy (that they wanted to sell me) would cover. It seems pretty plausible that Geico's policy includes General Liability (an incredibly broad term) coverage for bad things which happen inside the insured motor vehicle, injury resulting from poor judgement in the vicinity of the insured motor vehicle, etc...and Geico's policy-writing geeks failed to exclude this situation.