The Shaykh was asked about a type of insurance (third-party insurance, which is specific to car drivers).
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The questioner : There are, I mean, car drivers who have mandatory insurance; you cannot drive a car without it. It is insurance for the lives of others. If a car accident happens—may Allah forbid it—and someone dies, then you are not allowed to drive the car unless you insure.
The Shaykh : You insure.
The questioner : And we have another type of insurance now, third-party insurance. If a car accident happens and others are harmed, and a person is disabled and can no longer work, you are obligated to support him and provide for his livelihood for the rest of his life, as long as you are the one who disabled him. And if his car is damaged, you repair it?
The Shaykh : You mean you tell the company, or who? Who is the guarantor? The company or the car owner?
The questioner : The car owner is the one who will take responsibility for this.
The Shaykh : And how does he take responsibility?
The questioner : If he does not insure...
The Shaykh : If he does not insure!
The questioner : It is mandatory insurance, so it is upon him.
The Shaykh: Yes.
The questioner : As for the current third-party insurance.
The Shaykh: Yes.
The questioner : A car accident happens and the man is disabled. If he dies, the state pays for him because you are insured. But if he is disabled, and a limb is broken and his car is damaged, you are obligated for that. So, is insurance permissible here?
The Shaykh : Insurance is not permissible in any form. The last scenario is the closest to the Shari'ah, like accidental killing, meaning if a person runs over someone on the road and he was the one at fault, he is liable according to the Shari'ah. This is better than participating in insurance, which is the very essence of gambling. As for what is necessitated, know the ruling from what came before.
The questioner : As for those who are compelled to it, Allah is sufficient for them.
The Shaykh : But.
The questioner : As for the other?
The Shaykh : It is not permissible.
The questioner : It is not permissible.
The Shaykh: Yes.
The Shaykh : You insure.
The questioner : And we have another type of insurance now, third-party insurance. If a car accident happens and others are harmed, and a person is disabled and can no longer work, you are obligated to support him and provide for his livelihood for the rest of his life, as long as you are the one who disabled him. And if his car is damaged, you repair it?
The Shaykh : You mean you tell the company, or who? Who is the guarantor? The company or the car owner?
The questioner : The car owner is the one who will take responsibility for this.
The Shaykh : And how does he take responsibility?
The questioner : If he does not insure...
The Shaykh : If he does not insure!
The questioner : It is mandatory insurance, so it is upon him.
The Shaykh: Yes.
The questioner : As for the current third-party insurance.
The Shaykh: Yes.
The questioner : A car accident happens and the man is disabled. If he dies, the state pays for him because you are insured. But if he is disabled, and a limb is broken and his car is damaged, you are obligated for that. So, is insurance permissible here?
The Shaykh : Insurance is not permissible in any form. The last scenario is the closest to the Shari'ah, like accidental killing, meaning if a person runs over someone on the road and he was the one at fault, he is liable according to the Shari'ah. This is better than participating in insurance, which is the very essence of gambling. As for what is necessitated, know the ruling from what came before.
The questioner : As for those who are compelled to it, Allah is sufficient for them.
The Shaykh : But.
The questioner : As for the other?
The Shaykh : It is not permissible.
The 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.