Is it permissible to accept insurance compensation for a car damaged in an unintentional accident, knowing that the person who was driving it is not its owner, and the owner has covered for him, and he is compelled to take the compensation?

Commercial insurance is forbidden (haram), and the insured is not permitted to benefit from it beyond the amount of money they paid. If the insurance is commercial and the company stipulates the presence of the car owner at the time of the accident, and if the insured cannot obtain their right except by lying, then it is permissible for them to do so. They should then dispose of the excess amount beyond their right by spending it on the interests of Muslims. However, if the insurance is cooperative Islamic insurance and the company stipulates the presence of the car owner at the time of the accident, then lying or resorting to deception to obtain compensation is not permissible. The brother must guarantee the car's price.