Kuwait Court of Cassation principle number 775

Liability insurance. Relates to the insured's assets and is predominantly compensatory in character. The insurer may be subrogated to the insured in claiming the right against the person responsible for the damage. The injured party is not regarded as a beneficiary for whose benefit the insured stipulates. - The risk materializes only upon occurrence of the damage and the insured's compensation of the injured party for it. Its effect. Its non-materialization. No basis for requiring the insurer to compensate. Payment of compensation in this case. The insurer may recover it from the person to whom it was paid.