New South Wales Consolidated Acts New South Wales Consolidated Acts(cf s 20 MACA)
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 or under Part 3) 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.