Am I obligated to pay compensation for the accident I caused, or should I let the commercial insurance company pay it, especially since I was unaware of the impermissibility of commercial insurance at the time of contracting, and given that insurance is compulsory in the state?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Commercial insurance is forbidden, and it is not permissible to subscribe to it voluntarily. However, if a person subscribes to it under duress or in ignorance of its prohibition, there is no sin upon him. Commercial insurance is permissible if one cannot bear the costs except through it, such as insuring cars, equipment, homes, and institutions to avert risks that cannot be covered otherwise. After that, one must transition to permissible cooperative insurance.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/151055
Where this answer came from
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- Ftawy
- Original fatwa ID
- 151055
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy