Does auto insurance cover back-seat sex?

updated 9:25 p.m. ET Sept. 18, 2007

MOSCOW, Idaho - A 22-year-old carnival worker blames two friends having sexual intercourse in the back seat of his SUV for an accident in which his Chevrolet S-10 Blazer struck a telephone pole.

Joshua D. Frank, who is living in a trailer parked on the Latah County Fairgrounds, pleaded guilty Monday to a misdemeanor charge of failing to notify a police officer of a traffic accident. That's after he left the vehicle at the site of the mishap. He was fined $188.

Frank told Moscow Police Department officers that he was driving the vehicle near downtown early Saturday while a man and woman were having sex in the rear of the vehicle.

According to a probable cause affidavit, Frank told authorities that the actions of the pair in the back caused the Blazer, which "was top heavy anyway," to become "tippy" and lose control.

Frank left the accident scene with a minor head wound and returned to his trailer.

The other two occupants of the vehicle were treated for injuries, according to the affidavit, though further information on their condition wasn't available.

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