Is it permissible to obtain comprehensive car insurance for the purpose of recovering funds previously paid for mandatory insurance?

Commercial insurance on cars and properties is forbidden because it is based on usury (riba) and gambling (maysir). If one is compelled to take it, then it is permissible for them to take the minimum coverage, as necessity is judged by its extent. Therefore, one should only insure against third-party liability. As for home insurance, it is not permissible except in cases of compulsion. Comprehensive insurance to receive compensation is not permissible, because usury is not made lawful except by necessity.