Is it permissible to benefit from the remaining amount of money from the insurance after repairing the car, or must it be returned to the insurance company?
One whose vehicle is damaged in an accident by another party is entitled to two things: the repair of the damaged parts, and compensation for the difference in value between its worth before and after the accident, even if it has been repaired. If the car is leased, the perpetrator bears its rental cost for the duration of the repair. Jurists have agreed on ensuring compensation for the diminution of assets due to harmful acts or damage. What the insurance company pays for this is permissible for the injured party to take. As for any excess amount, if it is due to the use of used or non-original spare parts, there is no harm in the car owner benefiting from it. However, if it is due to garages manipulating prices, then he must return the excess, unless it corresponds to the difference in value before and after the accident.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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