345MAI insurer may recover costs if no authority to use

345 MAI insurer may recover costs if no authority to use vehicle (b) the MAI insured person was, at the time of the motor accident, using the motor vehicle— (i) without the authority of the responsible person for the vehicle; and (ii) without lawful justification or excuse; and (iii) without reasonable grounds for believing that the MAI insured person had the authority of the responsible person, or lawful justification or excuse, for using the (2) The insurer may recover as a debt from the MAI insured person any costs reasonably incurred by the insurer for a motor accident claim for the personal injury.