The insured drove a snowmobile after consuming alcohol to rescue a friend who was lost on a frozen lake.
The insured held a valid driver's licence but was in breach of a probation order prohibiting him from driving with alcohol in his blood.
Following an accident that seriously injured the friend, the insured's automobile insurer denied coverage, arguing he was not 'authorized by law to drive' under statutory condition 4.
The court held that 'authorized by law' refers to the possession of and compliance with a valid driver's licence, not court orders or legislative prohibitions.
The insurer was ordered to provide full coverage.
