What is the ruling on the financial compensation, divided into two parts—one for the injured person and the other for their helper—paid by an insurance company due to an accident that resulted in permanent disability? And what is the ruling on the monthly salary paid by the company due to a long sick leave? Is it permissible to pay the lawyer's fees from this compensation?

Commercial insurance contracts are prohibited due to their inclusion of maysir (gambling) and gharar (excessive uncertainty). However, it is permissible for the injured party to receive full compensation from the insurance company if it commits to paying it, even if the value of the damages is monthly or includes the wages of an assistant and companion. The injured party has no relation to the prohibition of the transaction between the party who caused the accident and the insurance company.