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Taking insurance compensation for road-accident injuries

أخذ التعويض من شركة التأمين عن إصابات حادث سير

A question from someone injured in a road accident about taking compensation from the insurance company, in which Jordan's General Iftaa Department answered that compensation for harm is lawful, so there is no objection to taking it for real harm, without deception or lying. The Department answered that compensation for material harm is lawful in fiqh and that jurists have set out the grounds that require it; it pointed to the Qur'an's establishing blood money for accidental killing, and quoted al-Mawardi's al-Hawi al-Kabir that whoever destroys something is liable for it. It said compensation falls on whoever directly caused the harm or brought it about, since the act is what creates liability, quoting al-Ramli's Nihayat al-Muhtaj that whoever destroys another's property or misuses it owes its replacement and the hire. It concluded that there is no objection to taking compensation from insurance companies when it is for real harm caused by the accident, with no deception or lying involved.

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Summary

A question from someone injured in a road accident about taking compensation from the insurance company, in which Jordan's General Iftaa Department answered that compensation for harm is lawful, so there is no objection to taking it for real harm, without deception or lying. 1

The question

The questioner said he was in a road accident, fell on his back and suffered muscle bruising, and asked about taking money from the insurance company as compensation for these injuries. 1

The answer

The Department answered that compensation for material harm is lawful in fiqh and that jurists have set out the grounds that require it; it pointed to the Qur'an's establishing blood money for accidental killing, and quoted al-Mawardi's al-Hawi al-Kabir that whoever destroys something is liable for it. 1 It said compensation falls on whoever directly caused the harm or brought it about, since the act is what creates liability, quoting al-Ramli's Nihayat al-Muhtaj that whoever destroys another's property or misuses it owes its replacement and the hire. 1 It concluded that there is no objection to taking compensation from insurance companies when it is for real harm caused by the accident, with no deception or lying involved. 1

About this record

Jordan's General Iftaa Department published this fatwa on aliftaa.jo as no. 3884, dated 2 June 2024. 1 The museum records this text as a historical document attributed to the body or scholar that issued it; it issues no ruling of its own.

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Destruction or damage of property (itlaf)· Takaful and insurance

People and things also explored

A child eating at an open buffet without paying· A cooperative fund for car repair warranties· Exchanging surplus medicines dispensed under health insurance· Insuring receivables· The liability of a technician working in a repair shop· A tailor's liability for cloth spoiled in his hands· Destruction or damage of property (itlaf)· Takaful and insurance

Sources

  1. Jordan's General Iftaa Department (aliftaa.jo) , fatwa 3884

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islam.museum contributors. “Taking insurance compensation for road-accident injuries”. islam.museum, https://islam.museum/en/work/fatwa-aliftaa-jo-insurance-compensation-after-a-road-accident/. CC BY-SA 4.0. Last updated 2026-11-01.

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A child eating at an open buffet without paying

A question on an eight-year-old who ate with his father at an open buffet that charges for anyone aged five or over, in which Jordan's General Iftaa Department answered that eating at an open buffet is permitted, but the permission covers only the person who paid, so the father should go back to the restaurant and ask to be excused or pay what is owed. The Department answered that eating at an open buffet is permitted even though people eat different amounts, since the uncertainty is slight, governed by custom and does not lead to dispute; it quoted al-Nawawi's al-Majmu' on scholars tolerating slight uncertainty. It said the permission lets the payer eat himself; it does not transfer ownership of the food to him, so he may not feed others, and the father may not feed his son without the restaurant's permission, since its allowance is limited to children under five. It concluded that the father should go to the restaurant's management, tell them what happened and ask to be excused, and pay for what the boy ate if they ask, since anyone who consumes another's property without right is liable for it.