What is the ruling on defrauding compulsory commercial insurance in two cases: First, damaging the insured's car to replace its parts at the expense of the insurance company with the consent of the insured? And second, a worker feigning that he is still employed by a former contractor to benefit from his medical insurance after being injured?

There is no sin in participating in compulsory insurance. It is permissible to benefit from it only to the extent of the premiums paid. There is no harm in using stratagems to obtain one's right, provided no harm results from it. Ibn al-Qayyim said: "It is permissible for a person to lie to himself or to others if it does not involve harm to that other, and if the lie leads to obtaining his right." However, damaging sound property to claim insurance involves wasting money, which is forbidden, as the Prophet (peace be upon him) said: "And He disliked for you idle talk, asking too many questions, and wasting money." As for other scenarios that do not involve wasting money, they fall under permissible stratagems.