What is the ruling on colluding with another party to claim responsibility for a car accident in order to benefit from insurance, and is it obligatory to return the money paid by the insurance company in this case?

What the questioner did, in terms of cheating and falsification, is not permissible. He must repent by returning the money to the company. Commercial insurance is not permissible unless one is compelled to it, and it is not permissible to benefit from it except to the extent of the premiums paid.