Participating in companies that provide roadside assistance for stalled vehicles

Question:
He says: Honorable Shaykh (may Allah preserve him), peace be upon you, and Allah’s mercy and blessings. To proceed: There are some companies that provide assistance for stalled vehicles. This is done by paying a fixed annual fee for each vehicle. When a vehicle stalls, they assist it by coming and attempting to repair it if the malfunction falls within their conditions. They limit their coverage to minor malfunctions, or they tow the vehicle to any workshop you choose. Is this type of insurance commercial insurance or commercial cooperation?

Answer:
This is commercial cooperation, because it is unknown. Many malfunctions may occur, resulting in significant expenses, or nothing may occur, leading to a great loss with no benefit. We seek help from Allah. Perhaps it will suffice. May Allah guide them all, and may Allah send prayers and peace upon our Prophet Muhammad, his family, and his companions.