{"id":24586,"date":"2022-03-21T10:38:59","date_gmt":"2022-03-21T10:38:59","guid":{"rendered":"http:\/\/daruliftabirmingham.co.uk\/home\/?p=24586"},"modified":"2022-03-21T10:38:59","modified_gmt":"2022-03-21T10:38:59","slug":"what-kind-of-car-insurance-should-one-take-bearing-in-mind-it-is-haraam","status":"publish","type":"post","link":"http:\/\/daruliftabirmingham.co.uk\/home\/what-kind-of-car-insurance-should-one-take-bearing-in-mind-it-is-haraam\/","title":{"rendered":"What Kind of Car Insurance Should One Take Bearing in Mind It Is Haraam"},"content":{"rendered":"

Fatwa ID: 05938<\/strong><\/span><\/p>\n

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Answered by: Shaykh Ahmed Bin Mohamed Umarji<\/strong><\/span><\/p>\n

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Question:<\/u><\/strong><\/span><\/p>\n

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I have a brother who is asking about “car insurance”. He knows that insurance is haram but he is asking what type of coverage he should take.<\/span><\/p>\n

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1) Additional Third Party Liability Coverage – While the legal minimum insurance requires $200,000 of third party liability coverage, many drivers pay for extra coverage up to $2 million so they\u2019re covered in case someone else is injured or killed, or an accident causes property damage.<\/span><\/p>\n

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2) Additional Statutory Accident Benefits – The Mandatory Accident Benefits coverage provides replacement income, however, only up to a point. The minimum coverage offers just 70 per cent income replacement of your gross income capped at $400 a week. Many people choose to add on to the minimum requirements, including purchasing additional coverage for medical costs, attendant care, housekeeping benefits, and funeral costs.<\/span><\/p>\n

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Basically, he wants to know how to purchase car insurance but not exceed the limits of Sharia.<\/span><\/p>\n

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In the name of Allah, the Most Gracious, the Most Merciful<\/u><\/strong><\/span><\/p>\n

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Answer:<\/u><\/strong><\/span><\/p>\n

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Insurance in itself is impermissible.1<\/sup><\/a> However since the law mandates that one buys insurance it will be permissible.2<\/sup><\/a> Either package is permissible in this case.<\/span><\/p>\n

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Only Allah knows best<\/span><\/p>\n

Written by Shaykh Ahmed Bin Mohamed Umarji<\/span><\/p>\n

Checked and approved by Mufti Mohammed Tosir Miah<\/span><\/p>\n

Darul Ifta Birmingham<\/span><\/p>\n

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1<\/a> Fatawa Darul Uloom Zakariyya, Volume 5 , Page 449 , Zam Zam Publishers<\/span><\/p>\n

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2<\/a> Fatawa Darul Uloom Zakariyya, Volume 5 , Page 454 , Zam Zam Publishers<\/span><\/p>\n

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Fatwa ID: 05938   Answered by: Shaykh Ahmed Bin Mohamed Umarji   Question:   I have a brother who is asking about “car insurance”. He…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"_links":{"self":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/24586"}],"collection":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=24586"}],"version-history":[{"count":2,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/24586\/revisions"}],"predecessor-version":[{"id":24728,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/24586\/revisions\/24728"}],"wp:attachment":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=24586"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=24586"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=24586"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}