20Right of insurer against unauthorised driver of motor vehicle

#### 20 Right of insurer against unauthorised driver of motor vehicle 20 Right of insurer against unauthorised driver of motor vehicle (cf s 22 MAA) > If— > > > (a) a person uses or operates a motor vehicle without the authority of the owner or without reasonable grounds for believing that he or she had the authority of the owner, and > > > (b) a licensed insurer pays any money or incurs any costs (under a third-party policy) in respect of a motor accident arising from that use or operation, > > the insurer may recover the money so paid and the costs so incurred from the person as a debt in a court of competent jurisdiction.