Kuwait Court of Cassation principle number 871

Liability insurance need not be confined to the liability of the party contracting with the insurer alone. It may cover the liability of any person who causes the accident specified in the contract, even if the party contracting with the insurer is not responsible for that person's acts. In this case, the insurer is obliged to cover the liability arising from the accident within the limits stated in the contract or prescribed by law, even if the party contracting with it bears no liability.