What is the most sound opinion regarding the issue of taking blood money (diyya) from commercial insurance, and is it permissible to take all that the insurance stipulates, or only the amount equivalent to what was paid?

Commercial insurance of all types is forbidden. Whoever deals with it should not take more than what they paid. As for someone who has suffered harm to their person or property, they are entitled to receive the full blood money (diyya) or compensation from the one responsible for it, whether that person pays it themselves or through an insurance company. This is because the injured party is a right-holder and is not responsible for resolving the other party's transaction with their insurance company. The insured party is dealing with a forbidden contract, whereas the injured party has no contract with the company; rather, they have a right against the one dealing with the insurance.