Is it permissible to falsify the driver's identity to benefit from mandatory commercial insurance after a traffic accident caused by a son under the age of 18?

First, there are three fundamental matters: 1. Commercial insurance is forbidden unless it is mandatory in a necessary transaction. 2. Driving a car without a driver's license is not permissible. 3. Laws that do not contradict Islamic law, such as traffic laws, must be adhered to.

Regarding your question, cheating and forgery are forbidden. The Permanent Committee, in a similar matter concerning health insurance, ruled it forbidden, stating that giving an insurance card to another person who is not registered to receive treatment with it involves forgery and lying, which is not permissible.

If it is proven that the son did not err in his driving, but rather the accident occurred due to a pure mistake by someone else, and the system referred the guarantee to the insurance company, and the questioner could not obtain his right except by claiming that he was the driver of the car, then there is no harm in that, provided that he does not take anything more than what he deserves. This is based on the permission granted by some scholars for lying if it becomes the only way to obtain a right and does not result in harm to others. It is preferable to adhere to truthfulness or use equivocations.

However, if the son was at fault, it is not permissible for the father to claim he was the driver to have the insurance cover the compensation for the injured party.

The competent authority for investigating accidents is the one whose word is relied upon in determining who is at fault.