Kuwait Court of Cassation principle number 4728

Insurance against work injuries. Its nature. - The insured’s taking out insurance for the account of the interested party alongside his insurance against his own liability. A stipulation for the benefit of a third party. Its implication. If the insured risk materializes, the beneficiary has a direct personal right to the insurance amount claimed. - The general rule is that the insured must promptly notify the insurer of every incident liable to render the insurer liable. This is not required in liability insurance. The injured party’s right against the insurer is established from the occurrence of the accident. - The right of the person who discharged the debt to be subrogated to the creditor who received payment of his entitlement. When this applies. Article 394/a, Civil Code.