Is it permissible to insure a car in a non-Islamic country where car theft and collisions are common without the perpetrator being pursued, and where the norm is for the police to ask about the existence of insurance?

Insurance is of two types: commercial, which is impermissible due to its involvement with excessive gharar (uncertainty) and qimar (gambling), and cooperative, which is permissible because it is based on cooperation and mutual support. If the insurance in the questioner's country is of the first type, then it is not permissible for him to subscribe to it unless it is obligatory. If it is cooperative, then subscribing to it is permissible, though it is preferable to avoid it.