Is it permissible to repair a car at the expense of a comprehensive insurance policy and claim compensation for previous accidents, with the insured paying the difference between the compensation value and the repair cost?

Insurance is of two types: The first is cooperative and Takaful (Islamic), which is permissible to subscribe to and benefit from, unless there is deception involved. The second is commercial and forbidden, and it is not permissible to subscribe to it except for someone who is compelled to do so. In such a case, he is allowed to limit himself to the amount he paid. Repentance and avoidance of it are obligatory if it is not Islamic or if one is not compelled to subscribe to it.