What is the ruling on compulsory car insurance from which the car owner benefits nothing, and if the car causes an accident leading to injury or death, the family of the injured party sues the insurance company for compensation, knowing that the family of the deceased pardons the car owner and the state rules by man-made laws?

Commercial insurance is forbidden in all its forms except for the one in dire necessity. However, the prohibition of subscribing to it does not mean the prohibition of taking one's right from an insurance company if it commits to paying it. Therefore, those who have a right may take the blood money for someone killed by mistake or for an injured person from any party they are directed to, because they are rightful claimants and are not responsible for resolving the other party's transaction with their insurance company. Sheikh Ibn Jibreen permitted taking compensation from an insurance company as long as it is committed to doing so. The one who caused the accident still bears the expiation for accidental killing if the accident was due to their fault.