What is the ruling on changing the name of the driver who caused a car accident to make the father the one who caused it, knowing that the father is the one who paid the mandatory insurance amount for the rented car?

Conventional commercial insurance is Islamically forbidden. However, since the insurance is compulsory, there is no harm in your father's stratagem to recover what he paid, because it is his right, and lying is permissible if it leads one to their right. Therefore, it is permissible to use stratagem by changing the driver's name to benefit from the insurance, provided that no harm results from it, and on condition that the recovered amount does not exceed the total he paid for the insurance.