Dealing with commercial insurance when compelled to pay it

Question:
Honorable Shaykh, may Allah grant you success, what is the ruling if we are compelled to pay commercial insurance? And if we comply with this, does that make us among those who take rulers as lords other than Allah?

Answer:
The solution in this matter is that you pay the insurance if you are compelled to do so, but you do not benefit from it. You do not benefit from it for treatment, or for repairing a car, or for anything else. Rather, you handle your own affairs. If you need treatment, you pay for the treatment from your own pocket and do not burden the insurance company. If something happens to your car, you pay the cost of repairing it from your own pocket and do not burden the insurance company. This is the solution. As for if the matter is optional, where each person acts according to his own desire, then do not pay the insurance; it is forbidden. Do not pay it if you have a choice. If you are compelled, pay it, but do not benefit from it. Yes, rather, you bear what happens to you and do not burden the companies and the people's money unjustly and oppressively. Yes.