AMPONSAH v. APPIAGYEI AND OTHERS; AMOAH v. ANTHONY AND OTHERS; BOAKYE AND ANOTHER v. EFFAH AND ANOTHER; BOATENG AND OTHERS v. BOAHEN AND ANOTHER (CONSOLIDATED) Insurance—Motor vehicle—Insurer's liability—Action against insured—Joinder of insurer as party to proceedings to satisfy judgment to be given against insured—When insurer's liability arises—Practice and procedure for recovering judgment debt and costs from insurer—Different limitation periods for actions for personal injuries and for action upon a judgment—Whether plaintiff can join insurer in action to determine liability of insured—Motor Vehicles (Third Party Insurance) Act, 1958 (No. 42 of 1958) s. 10(1)—Limitation Decree, 1975 (NRCD 54). ss. 3(1) (2) and 5(1).