THE SUPREME COURT OF APPEAL
REPUBLIC OF SOUTH AFRICA

JUDGMENT

Case No:  484/07

RAND MUTUAL ASSURANCE COMPANY LIMITED                          Appellant

and

ROAD ACCIDENT FUND

Respondent

Neutral citation: Rand Mutual Assurance Company Ltd v Road Accident
Fund (484/2007) [2008] ZASCA 114 (25 SEPTEMBER 2008)

Coram:
HARMS ADP, SCOTT, JAFTA JJA, LEACH AND KGOMO AJJA

Heard:
12 SEPTEMBER 2008

Delivered:
25 SEPTEMBER 2008

Corrected:

Summary:
Insurance – subrogation – right of insurer to sue wrongdoer in
own name – Compensation for Occupational Injuries and
Diseases Act 130 of 1993 s 36(1).

ORDER

On appeal from: High Court, Pretoria (R D Claassen J sitting as court of first
instance).

1. The appeal is upheld with costs.
2. The order of the court below is substituted with the following:
(a) Judgment for the plaintiff in the sum of R 191 078,85 with 15,5% interest a
tempore morae.
(b) The defendant is to pay the costs including the preparation fee of Dr du
Plessis and Ms Vos.

JUDGMENT

HARMS ADP (SCOTT, JAFTA JJA, LEACH AND KGOMO AJJA concurring)

[1] The appellant, Rand Mutual Assurance Company Ltd, is an insurer. It
is, for purposes of the Compensation for Occupational Injuries and Diseases
Act 130 of 1993 (COIDA), a mutual association, which means that it is
licensed to carry on the business of insuring employers against their liabilities
under COIDA to employees (s 30(1)).1 In that capacity it insured a company

1 Section 30(1):  ‘The Minister may, for such period and subject to such conditions as he may
determine, issue a licence to carry on the business of insurance of employers against their liabilities to
employees in terms of this Act to a mutual association which was licensed on the date of
commencement of this Act in terms of section 95 (1) of the Workmen’s Compensation Act: Provided
that the Minister may, from time to time, order that, in addition to any securities deposited in terms of
the Insurance Act, 1943 (Act No. 27 of 1943), and the Workmen’s Compensation Act, securities

(presumably Harmony Gold Mining Co Ltd). An employee of the insured, one
Young, was injured in a motor vehicle accident, which was caused by the
negligence of the driver of another vehicle, one Maziya. The accident arose
out of and in the course of Young’s employment. Young was consequently
entitled to the benefits provided for in COIDA (s 22(1)). Because of the
insurance policy the appellant, and not the Director-General, was obliged to
compensate Young in the sum of R191 078,85 as determined in accordance
with COIDA by the Director-General.2

[2] The respondent, the Road Accident Fund, is liable for the damages
caused by Maziya’s negligent driving. The appellant sought to recover the
compensation paid to Young from the respondent, relying on the provisions of
s 36(1)(b) of COIDA,3 which provides in essence that if an occupational injury
was caused in circumstances resulting in a third party (in this case the
respondent) being liable for them,

‘the Director-General or the employer by whom compensation is payable may
institute action in a court of law against the third party for the recovery of
compensation that he is obliged to pay in terms of this Act.’

[3] The appellant is not an ‘employer’. Accordingly, it was not covered by
the wording of the provision although it was a party by whom, in terms of
COIDA, compensation was payable. This, said its counsel, was more than
unfair because the appellant is entitled to be in the same position against third
parties as are the Director-General or the employer ‘by whom compensation is

considered by the Director-General to be sufficient to cover the liabilities of the mutual association in
terms of this Act be deposited with the Director-General or his or her nominee.’
2 Section 29: ‘If an employee is entitled to compensation in terms of this Act, the Director-General or
the employer individually liable or the mutual association concerned, as the case may be, shall be liable
for the payment of such compensation.’
3 Section 36: ‘(1)  If an occupational injury or disease in respect of which compensation is payable, was
caused in circumstances resulting in some person other than the employer of the employee concerned
(in this section referred to as the “third party”) being liable for damages in respect of such injury or
disease—

(a)
the employee may claim compensation in terms of this Act and may also institute
action for damages in a court of law against the third party; and

(b)
the Director-General or the employer by whom compensation is payable may
institute action in a court of law against the third party for the recovery of compensation that he is
obliged to pay in terms of this Act.’

payable’. He accordingly submitted that we should by some or other process
of interpretation hold that the phrase ‘employer by whom compensation is
payable’ includes a mutual association by whom compensation is payable.
The argument was premised on the proposition that a mutual association
would otherwise be without a right of recourse against a wrongdoer.  In
support of this, counsel argued that the employer in casu was not one by
whom compensation was payable. Accordingly, he said, the employer had
nothing which it could cede to the plaintiff and that subrogation does not
apply. As I shall seek to show, since the premise is false, the conclusion is
also false.

[4] To understand the argument and my conclusion it is necessary to turn
to the repealed Workmen’s Compensation Act 30 of 1941, the precursor of
COIDA. Under that Act, compensation had to be paid to any workman entitled
thereto either (a) by the employer individually liable, or (b) by the
commissioner (s 37). The term ‘employer individually liable’ was defined to
mean an employer who was exempt from paying contributions to the accident
fund (s 2). There were two types of employers individually liable, namely the
state and certain other authorities and, secondly, employers who had, with the
approval of the commissioner, obtained from a mutual association a policy of
insurance for the full extent of their potential liability under the Act (s 70).
Compensation was payable irrespective of the common-law liability of the
employer (i e, irrespective of negligence) and the Act thereby increased the
rights of the employee but, on the other hand, the right to compensation
substituted all other remedies the workman may have had (s 7).4 The

4 Jooste v Score Supermarket Trading (Pty) Ltd (Minister of Labour intervening) 1999 (2) SA 1, 1999
(2) BCLR 139 (CC) discussed the constitutionality and ratio of the legislation is detail. It said (at para
14): ‘By way of contrast [to the common-law position] the effect of the Compensation Act may be
summarised as follows. An employee who is disabled in the course of employment has the right to
claim pecuniary loss only through an administrative process which requires a Compensation
Commissioner to adjudicate upon the claim and to determine the precise amount to which that
employee is entitled. The procedure provides for speedy adjudication and for payment of the amount
due out of a fund established by the Compensation Act to which the employer is obliged to contribute
on pain of criminal sanction. Payment of compensation is not dependent on the employer’s negligence
or ability to pay, nor is the amount susceptible to reduction by reason of the employee’s contributory
negligence. The amount of compensation may be increased if the employer or co-employee were
negligent but not beyond the extent of the claimant’s actual pecuniary loss. An employee who is
dissatisfied with an award of the Commissioner has recourse to a court of law which is, however,

commissioner or ‘the employer by whom compensation [was] payable’ had a
right of action against the third party for the recovery of the compensation they
were obliged to pay (s 8(1)(b)). The Act was ambivalent about who had to pay
compensation. In some instances it had to be either the commissioner or ‘the
employer individually liable’ (e.g. s 40(2), s 46(2), s 48, s 90) while in other
circumstances it was either the employer individually liable or the mutual
association (s 63). However, the Act also said that the association, that had to
insure employers, had ‘liabilities under this Act’ (s 95(5)).

[5] It is difficult to conceptualise the liability of the employer towards the
employee which could be insured against. This is because even an uninsured
employer or one who had failed to pay contributions to the commissioner had
no potential liability towards the employee under the Act. An employer who
had failed to pay the required contributions may have had to pay a penalty but
even then no common-law or statutory liability towards the employee arose (s
72).

[6] These inconsistencies were not only carried over to COIDA but were in
a sense exacerbated. This is because COIDA distinguishes between
employers individually liable (consisting of government organs) on the one
hand and, on the other, employers who have obtained from a mutual
association a policy of insurance for ‘the full extent of their potential liability’ (s
84(1)). Liability is no longer attached to an employer as in the 1941 Act;
instead it is attached to either the Director General (who replaced the
Commissioner), the employer individually liable or the mutual association (s
29, 61, 62). The employer is also not liable to the employee unless the liability
arises under COIDA (s 35).

[7] However, COIDA provides (as mentioned) for ‘insurance of employers
against their liabilities to employees in terms of this Act’ by a mutual
association (s 30(1) and (2)).5 This implies that employers do have a liability

bound by the provisions of the Compensation Act. That then is the context in which section 35(1)
deprives the employee of the right to a common-law claim for damages.’
5 See footnote 1 above.

under COIDA although the nature and extent of their liability is not spelled out.
The implication is that the liability is borne by either the Director-General or
the mutual association. (The position of the employer individually liable as
currently defined does not require consideration.) Although the employee is
the only person entitled to benefit under the insurance policy (he, and only he,
receives compensation) the legal effect of all this is that the employer is
insured against this transient claim of the employee.

[8] Reverting to s 36(1)(b):6 it provides, as mentioned, that either the
Director-General or the employer by whom compensation is payable may
institute action against a third party for the recovery of compensation. The
emphasised words would obviously include an employer individually liable but
they go wider. They also include an insured employer. But they do not include
a mutual association. This means that although the insured employer does not
pay, he is entitled to recover, obviously on behalf of the insurer.

[9] I accordingly agree with the respondent’s counsel who argued that an
employer who obtains a policy of insurance for the full extent of its liability
under  COIDA is exempted from paying assessments to the Director-General;
that a mutual association is nothing other than an insurer; and that once the
mutual association has indemnified the employer by paying compensation in
full to the employee, the association may exercise the right of recourse
against a third party by either obtaining a cession from the employer or by
bringing a subrogated claim for recovery under s 36(1)(b).

[10] The insured’s indemnity claim has been paid in full. The insured
employer was accordingly entitled to recover from the respondent, not only by
virtue of s 36(1)(b), but also under ordinary legal principles. However, the
employer did not seek to recover; the appellant did not obtain a cession; and
the appellant did not sue in the name of the insured but in its own name. This,
and only this, non-compliance with the subrogation doctrine was, according to
the respondent, fatal to the appellant’s claim, and the court below agreed.

6 See footnote 3 above.

[11] During argument the question was raised whether the rule that the
insurer must sue in the name of the insured forms part of our law and, if so,
whether it could be justified. The answer requires a consideration of the
history of the reception of the English law of subrogation, the nature of the rule
that a subrogated claim must be brought in the name of the insured, and a
reflection of whether the rule requires adaptation or amendment.

[12] Lord Hoffman once said that ‘the subject of subrogation is bedevilled by
problems of terminology and classification which are calculated to cause
confusion.’7 Bearing that in mind, it is useful to commence the discussion with
the following extract from the chapter in Lawsa8 on insurance:

‘In its literal sense the word “subrogation” means the substitution of one party for
another as creditor. In the context of insurance, however, the word is used in a
metaphorical sense. Subrogation as a doctrine of insurance law embraces a set of
rules providing for the reimbursement of an insurer which has indemnified its insured
under a contract of indemnity insurance. The gist of the doctrine is the insurer’s
personal right of recourse against its insured, in terms of which it is entitled to
reimburse itself out of the proceeds of any claims that the insured may have against
third parties in respect of the loss.’

The authors also mention (at para 374) that the doctrine as part of insurance
law was established only during the 18th Century and that it was imported into
South African law through Ackerman v Loubser 1918 OPD 31.

[13] The plaintiff in Ackerman v Loubser was an insured who had been fully
paid by the insurer and who sought to recover the loss from the defendant on
behalf of the insurer. The defence was that since the plaintiff’s loss had been
made good by the insurer the plaintiff had no further claim against the
defendant. In rejecting the argument the court referred to the English law of

7 Banque Financière De La Cité v Parc (Battersea) Ltd  [1998] UKHL 7, [1999] AC 221, [1998] 1 All
ER 737, [1998] 2 WLR 475.
8 MFB Reinecke, SWJ van der Merwe, JP van Niekerk, PH Havenga and J Church Lawsa (reissue) vol
12 para 373. See also D M Davis Gordon & Getz on The South African Law of Insurance 4 ed (1993)
257.

subrogation (as set out in the preceding paragraph) and applied it to the case
before it. The court also mentioned that in English law, should the insured
refuse to litigate, the court would allow the insurer to do so ‘in the name of the
insured whether the latter likes it or not’ (at 34).

[14] What is easily overlooked is that when Ackerman v Loubser was
decided the law of insurance applicable in the Orange Free State was English
law. The General Law Amendment Ordinance 5 of 1902 (ORC) had
introduced the law applicable in the Cape Colony. The General Law
Amendment Act 8 of 1879 (Cape), in turn, had introduced the English law of
insurance and replaced the Roman Dutch law in the Cape Colony. In other
words, the court in Ackerman v Loubser was bound to apply the English law of
insurance and it did not purport to infuse our law with English law principles.

[15] The next case that dealt with the issue was Teper v McGees Motors
(Pty) Ltd 1956 (1) SA 738 (C). It, too, was bound to apply English law being a
Cape case. However, the law in Transvaal and Natal remained Roman Dutch,
something not considered in Schoonwinkel v Galatides 1974 (4) SA 388 (T)
when it adopted the principle of subrogation as set out in Ackerman v
Loubser. Importantly, neither case held that the insurer may not sue in his
own name.9

[16] The Cape and Orange Free State laws were repealed by s 1 of the
Pre-Union Statute Revision Act 43 of 1977 –

‘with the result that the English law (as it existed in 1879) concerning fire, life and
marine insurance is no longer binding authority in the Cape Province or in the
Orange Free State Province. . . . Hence, the South African law of insurance is
governed mainly by Roman-Dutch law as our common law.’10

9 Also Chi v Lodi 1949 (2) SA 507 (T).
10 Mutual & Federal Insurance Co Ltd v Oudtshoorn Municipality 1985 1 SA 419 (A) at 430F-G.

The effect of this repeal is that, subject to statutory law, our courts are entitled
to look at other legal systems in developing our law of insurance and that we
are not bound to follow English law and precedent.11

[17] Nevertheless, this court,12 with reference to the Ackerman v Loubser
and Teper, held that –

‘an insurer under a contract of indemnity insurance who has satisfied the claim of the
insured is entitled to be placed in the insured’s position in respect of all rights and
remedies against other parties which are vested in the insured in relation to the
subject matter of the insurance. This is by virtue of the doctrine of subrogation which
is part of our common law.’13

What this court had in mind in Commercial Union were the three rules of the
lex mercatoria (and not only of the English law of insurance): that the
wrongdoer is not entitled to benefit from the fact that the person wronged was
insured; that the insured may not be enriched at the expense of the insurer by
receiving both the insurance indemnity and damages from the wrongdoer; and
that the insurer replaces the insured, i.e., the insured is subrogated by the
insurer, which entitles the insurer to claim the loss from the wrongdoer.14

[18] In English law ‘the doctrine of subrogation in insurance rests upon the
common intention of the parties and gives effect to the principle of indemnity
embodied in the contract.’15 In our law it would be a case of implied terms (but

11 J P van Niekerk Subrogasie in die versekeringsreg (unpublished LLM thesis UNISA 1979) ch 1.
12 Commercial Union Insurance Co of SA Ltd v Lotter [1999] 1 All SA 235, 1999 (2) SA 147 (SCA).
13 See also Avex Air (Pty) Ltd v Borough of Vryheid 1973 (1) SA 617 (A) at 625H. Samancor v Mutual
and Federal Insurance Company Limited [2005] 4 All SA 193, 2005 (4) SA 40 (SCA) is not in point.
14 Somersall v Friedman 2002 SCC 59 (CanLII), [2002] 3 SCR 109, (2002) 215 DLR (4th) 577 at para
50: ‘First, it is important to keep in mind the underlying objectives of the doctrine of subrogation which
are to ensure (i) that the insured receives no more and no less than a full indemnity, and (ii) that the loss
falls on the person who is legally responsible for causing it.  The doctrine of subrogation operates to
ensure that the insured received only a just indemnity and does not profit from the insurance.
Consequently, if there is no danger of the insured’s being overcompensated and the tortfeasor has
exhausted his or her capacity to compensate the insured there is no reason to invoke subrogation.
Similarly, if the insured enters into a limits agreement or otherwise abandons his or her claim against
an impecunious tortfeasor the insurer has lost nothing by the inability to be subrogated.’ (Citations
omitted.)  Castellain v Preston (1883), 11 Q.B. 380 at 386 -387. See Visser & Potgieter
Skadevergoedingsreg/The law of damages 2 ed (2003) para 10.4.
15 Banque Financière De La Cité v Parc (Battersea) Ltd  [1998] UKHL 7, [1999] AC 221, [1998] 1 All
ER 737, [1998] 2 WLR 475.

in the sense of naturalia of the contract as opposed to tacit terms)16 of the
contract of insurance.17

[19] Significantly,  in formulating the doctrine of subrogation, this court has
not as yet held that the insurer is not entitled to sue in its own name.18
Different laws deal with this aspect differently. The English common law, as
has been said, requires the insurer to sue in the name of the insured. This
requirement gives rise to a number of procedural anomalies.19 American law
apparently adopts a different approach: although it is accepted that in strict
law the action ought to be brought in the name of the insured, the insurer
institutes the litigation in its own name to protect litigants from harassment and
to avoid confusion over the identity of the real plaintiff.20 This appears to be
similar to the position in Continental law.21

[20] These differences may be due to legislative activities and, especially as
far as Continental law is concerned, to the fact that the effect of subrogation
may differ from one legal system to another. It may amount to  something akin
to cession of the claim against the wrongdoer ex lege or it may simply mean
that although the claim against the wrongdoer still vests in the insured, the
insurer has certain procedural rights against both the insured and the
wrongdoer.22 Locally, there is an academic debate about the correct approach
to the substantive aspect but this is not the case to decide the matter.23 For
present purposes I shall assume that a transfer ex lege akin to cession does
not take place. That does not, however, mean that the procedural rule that the

16 Alfred McAlpine & Son (Pty) Ltd v Transvaal Provincial Administration 1974 (3) SA 506 (A); Delfs
v Kuehne & Nagel (Pty) Ltd 1990 (1) SA 822 (A).
17 The MT ‘Yeros’ v Dawson Edwards & Associates [2007] 4 All SA 922 (C) at 930
18 Goodwin Stable Trust v Duohex (Pty) Ltd [1996] 3 All SA 119, 1999 (3) SA 353 (C) is not of
assistance as it dealt with cession.
19 MacGillivray on Insurance Law 10 ed (2003) para 22-43 to 22-51; E C Schlemmer ‘’n Selfstandige
reg van verhaal vir ‘n versekeraar gegrond op ‘n solidêre medeskuldverhouding’ 1996 TSAR 68.
20 American Jurisprudence 2 ed (2001) vol 73 s v Subrogation para 82 (p 610-611).
21 H J Moll ‘Die subrogasieleerstuk in die versekeringsreg’ 1977 TSAR 138.
22 For the position in the case of cession: Homes for SA (Pty) Ltd v Rand Building Contractors (Pty) Ltd
2004 (6) SA 373 (W).
23 E C Schlemmer ‘’n Selfstandige reg van verhaal vir ‘n versekeraar gegrond op ‘n solidêre
medeskuldverhouding’ 1996 TSAR 68; J P van Niekerk ‘Subrogation and cession in insurance law: a
basic distinction confounded’ (1998) 10 SA Merc LJ 58; J P van Niekerk ‘Insurance subrogation,
implied or expressed: in the name of the insured, always’ (2007) 19 SA Merc LJ 502.

insurer has to sue in the name of the insured is in accordance with the general
principles of our law.24

[21] In Freudmann-Cohen v Long Tran25 the Ontario Supreme Court had to
consider whether an insurer, who is a defendant in an action by an insured,
would be entitled to institute third party proceedings (similar to those
contemplated by our Uniform rule 13) against a wrongdoer apparently on the
ground that if the insurer were to be held liable, a declaration would follow
entitling
the
insurer
to
an
indemnity
from
the
wrongdoer.
The
insurer/defendant could hardly have issued the notice in the name of the
insured/plaintiff. The court held that it was entitled to proceed in its own name.
The reason for the conclusion was that the rule in question was a procedural
rule of English origin and not a substantive rule whereas the other subrogation
rules were of a substantive nature. Courts are entitled to regulate their own
procedure. It is therefore not surprising that common-law courts outside
Britain, on occasion, have permitted the insurer to litigate in its own name.26

[22] J P van Niekerk points out that the rule ‘is hoogstens ‘n noodwendige
aanhangsel tot die skadeloosstellingsbeginsel en die gevolg van die gelding
van daardie beginsel in ‘n besondere geval.’27 He refers to others who had
stated that the rule is a ‘corollary’ or ‘consequence’ of the indemnity principle
and ‘not a basic principle in itself’. More recently he said that subrogation is
‘for a large part nothing more than a procedural device in the service of the
indemnity principle.’28

[23] This court is duty-bound to consider whether the procedural
requirement is consonant with our constitutional values and our law of
procedure. I believe that it is not. To require a party to litigate in the name of

24 Locus standi may either be a purely procedural matter or it may impact on the substance of the case.
See the diverging views on the facts in Pentz v Gross 1996 (4) SA 617 (SCA) at 630G-H (per Corbett
CJ) and 632B-G (my judgment). Also in [1996] 4 All SA 63.
25 2003 CanLII 35516, (2003) 66 OR (3d) 106.
26 J P van Niekerk Subrogasie in die versekeringsreg 105-110.
27 Subrogasie in die versekeringsreg at 62.
28 J P van Niekerk ‘Subrogation in terms of a marine insurance contract governed by foreign law: the
untraceable or no longer existing insured creates a dilemma for insurers’ 2008 TSAR 575.

another appears to me to fly in the face of the requirement of transparency
that underlies all litigation. The rule serves no public interest in modern times,
as appears from the position in the USA. It is formalistic and creates
anomalies. It enables the insurer to litigate in the name of the insured without
taking any risks as far as litigation costs are concerned.29 The supposed
advantage, namely that the insurance company may be able to retain its
anonymity,30 is clearly not to the advantage of the wrongdoer and also
probably not to that of the insured.

[24] It is safe to assume if regard is had to the prevailing practice that
insurance companies have been acting on the basis that they have to litigate
in the name of the insured. Although this is in my view a less than desirable
practice it would be wrong to abolish it by judicial fiat. This court is reluctant to
interfere with settled legal principles, even when they have their origin in an
incorrect interpretation of the law because members of the public may have
arranged their affairs on the assumption that they were settled.31 Communis
error facit ius. Consequently, this judgment does not hold that the insurer must
litigate in its own name and may not litigate in the name of the insured. What it
does hold is that the English rule in its stark form cannot be justified and that,
unless the wrongdoer will be prejudiced in a procedural sense, courts may
permit the insurer to proceed in its own name. It might be necessary to adapt
other procedural rules in such an event as requiring, by analogy with Uniform
rule 35(5)(b), discovery by the insured.

[25] I therefore hold that the plaintiff was not non-suited by litigating in its
own name, particularly where there is no discernible prejudice to the
respondent. It may be noted that the respondent did not file an exception to
the claim and raised the point only at the trial. Consequently, the appeal has
to succeed and the appellant is entitled to judgment.

29 Storegate Africa (Pty) Ltd v Airlink Cargo International (Pty) Ltd [2005] JOL 14054 (SCA).
30 J P van Niekerk ‘Subrogation and cession in insurance law: a basic distinction confounded’ (1998)
10 SA Merc LJ 58 at 59.
31 Business Aviation Corp (Pty) Ltd v Rand Airport Holdings (Pty) Ltd [2007] 1 All SA 421,
2006 (6) SA 605 (SCA) at para 38.

[26] The following order is made:

1. The appeal is upheld with costs.

2. The order of the court below is substituted with the following:

(a) Judgment for the plaintiff in the sum of R 191 078,85 with 15,5%

interest a tempore morae.

(b) The defendant is to pay the costs, including the preparation fee of

Dr du Plessis and Ms Vos.

_________________________
L T C HARMS
ACTING DEPUTY PRESIDENT

APPEARANCES:

For Appellant:
J J Wessels SC

Instructed by:

Van Velden Duffey, Pretoria

Lovius Block Attorneys, Bloemfontein

For Respondent:
B P Geach SC

Instructed by:

Maponya Incorporated, Pretoria

Honey Attorneys, Bloemfontein

THE SUPREME COURT OF APPEAL
REPUBLIC OF SOUTH AFRICA

MEDIA SUMMARY – JUDGMENT DELIVERED IN THE SUPREME COURT OF APPEAL

From:  The Registrar, Supreme Court of Appeal
Date:  25 SEPTEMBER 2008
Status: Immediate

Please note that the media summary is intended for the benefit of the media
and does not form part of the judgment of the Supreme Court of Appeal

RAND MUTUAL ASSURANCE COMPANY LTD v ROAD ACCIDENT FUND

The SCA today upheld the appeal by an insurer who sued the RAF to recover
compensation paid to an employee under the Compensation for Industrial
Injuries and Diseases Act. The SCA held that an insurer, who had
recompensed an insured in full, is entitled to litigate in its own name against a
wrongdoer and need not litigate in the name of the insured.

---ends---