Can an additional compensation be claimed from the insurance company for the subsequent damages (pelvic fracture, vertebral fractures, and imbalance in walking) resulting from a car accident that occurred during work, knowing that the insurance company will cover only part of the treatment expenses, and is what befell the employee considered a disability and harm?
Social security varies in its ruling. If it is based on donation and falls under cooperative insurance, which is permissible by Islamic law, then there is no objection to receiving the stipulated compensations, provided that there is no deception, fraud, or misrepresentation, and that the amount is equal to the actual damage.
However, if it is not based on cooperation (commercial insurance), then it is not permissible to subscribe to it in the first place. But if a person is referred to it to claim one of his rights, he may take it under the previously mentioned conditions.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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