Is it permissible for me to use usurious money to pay for car and home insurance in France, and is it permissible for me to claim compensation from the insurance company after an accident?

Whoever deals in usury must repent and desist from it immediately. The usurious gains he acquired should be spent on charitable causes and for the benefit of Muslims, and he should not use them for his personal interests. As for commercial insurance, it is a forbidden contract. The insured is only entitled to the premiums he paid, and any excess should be spent on charitable causes. However, if he is poor and in need, it is permissible for him to take from it according to his need.