Kuwait Court of Cassation principle number 817

The direct cause of the insured's obligation for the amount paid by the insurer to the injured party is not the injured party's fault, but the insurance contract. Effect thereof. The insured cannot claim that he suffered damage as a result of paying what the insurer recovered from him. - The insured is not legally entitled to be subrogated to the injured party in recourse against the liable party unless he relies for that purpose on an agreement with the injured party.