What is the ruling on car accident insurance?
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The questioner : Regarding car accidents
Another questioner : Please, Shaykh
The Shaykh : Yes.
The questioner : Regarding car accidents, Shaykh, when a person has an accident with another car and it turns out that the fault is his, for example, if he has third-party insurance, the insurance covers the person he hit, for example. Is this permissible?
The Shaykh : In this matter, we answer as follows: If the amount paid for the monthly or annual insurance is equal to the cost of the repair, it is permissible, because it means he recovered what he paid in a way that was compelled upon him. But if it is more than that, it is not permissible.
The questioner : May Allah reward you with good.
The Shaykh : And you as well.
Another questioner : Usually, it is less.
The Shaykh : Yes.
Another questioner : Usually, it is less, my lord, meaning I pay twenty dinars for third-party coverage.
The Shaykh : Meaning, what he paid is less.
Another questioner : What I paid in advance is less.
The Shaykh : Yes, this is what we are talking about.
Another questioner : I paid twenty dinars for one year... ten years.
The Shaykh : It varies from person to person, but this is the general case.
Another questioner : Meaning, it is calculated for ten years...
The Shaykh : It is this one.
Another questioner : So, is it permissible for a person, for example, to go and insure? Of course, insurance is mandatory, but as you heard, people generally take the minimum limit to fulfill the obligation.
The Shaykh : And upon you be peace, and the mercy of Allah and His blessings.
Another questioner : It is supposed to be for people. So, is it permissible for me to go and insure for the mandatory coverage, or is it supposed to be comprehensive, which is worth, for example, two hundred dinars or one hundred dinars?
The Shaykh : We permit the insurance that is necessary.
Another questioner : Yes, that is it.
The Shaykh : But anything more than that is not permissible.
Another questioner : It is not permissible.
The Shaykh : Yes.
Another questioner : Please, Shaykh
The Shaykh : Yes.
The questioner : Regarding car accidents, Shaykh, when a person has an accident with another car and it turns out that the fault is his, for example, if he has third-party insurance, the insurance covers the person he hit, for example. Is this permissible?
The Shaykh : In this matter, we answer as follows: If the amount paid for the monthly or annual insurance is equal to the cost of the repair, it is permissible, because it means he recovered what he paid in a way that was compelled upon him. But if it is more than that, it is not permissible.
The questioner : May Allah reward you with good.
The Shaykh : And you as well.
Another questioner : Usually, it is less.
The Shaykh : Yes.
Another questioner : Usually, it is less, my lord, meaning I pay twenty dinars for third-party coverage.
The Shaykh : Meaning, what he paid is less.
Another questioner : What I paid in advance is less.
The Shaykh : Yes, this is what we are talking about.
Another questioner : I paid twenty dinars for one year... ten years.
The Shaykh : It varies from person to person, but this is the general case.
Another questioner : Meaning, it is calculated for ten years...
The Shaykh : It is this one.
Another questioner : So, is it permissible for a person, for example, to go and insure? Of course, insurance is mandatory, but as you heard, people generally take the minimum limit to fulfill the obligation.
The Shaykh : And upon you be peace, and the mercy of Allah and His blessings.
Another questioner : It is supposed to be for people. So, is it permissible for me to go and insure for the mandatory coverage, or is it supposed to be comprehensive, which is worth, for example, two hundred dinars or one hundred dinars?
The Shaykh : We permit the insurance that is necessary.
Another questioner : Yes, that is it.
The Shaykh : But anything more than that is not permissible.
Another questioner : It is not permissible.
The Shaykh : Yes.
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.