Kuwait Court of Cassation principle number 883

Insurance against civil liability for motor vehicle accidents. Compulsory for the benefit of a third party suffering injury to his person or property, whoever is responsible, and confers upon him an independent right recoverable from the insurer by a direct action without the need to join the insured. - Sharia blood money is compensation for loss of life, enters the deceased's assets, and is considered part of the estate; his heirs may recover it from the insurer even if one of the heirs is the insured. - An heir's claim for compensation for the moral damage he suffered from the loss of the deceased. Personal to him. The heir is not entitled to it if he is the insured.