{"id":36825,"date":"2025-05-06T14:20:37","date_gmt":"2025-05-06T14:20:37","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=36825"},"modified":"2025-07-12T13:36:19","modified_gmt":"2025-07-12T13:36:19","slug":"claiming-insurance-compensation-from-a-third-party-in-islam","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/claiming-insurance-compensation-from-a-third-party-in-islam\/","title":{"rendered":"Claiming Insurance Compensation from a Third Party in Islam"},"content":{"rendered":"<p style=\"text-align: right;\"><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Fatwa ID: 08125<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Answered by Alimah Aisha Qureshi<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Question:<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">I think you may have touched on this subject before, but I hope you don\u2019t mind me asking since I need some clarification.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">I know the general ruling about claiming from insurance is that you\u2019re only allowed to claim however much you paid for your premium.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Does this still stand if you are claiming from the third-party insurance and not your own? If someone had a car accident and they suffered an injury as well as loss of income, can they claim in full for personal injury and loss of earnings from the insurance of the person that caused this accident, even if the amount awarded is way over how much you paid for your own insurance premium?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>In the name of Allah, the Most Gracious, the Most Merciful<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Answer:<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">You can only claim for the amount of damage that was caused due to the accident, but it has to be reasonable, just, and fair. Claiming from a third party, the amount can be more, but it still has to be fair.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">&#8220;\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0628\u0633\u0628\u0628 \u0625\u0647\u0645\u0627\u0644 \u0634\u062e\u0635 \u0622\u062e\u0631\u060c \u0641\u0625\u0646\u0651\u064e \u0627\u0644\u0645\u062a\u0636\u0631\u0631 \u064a\u062d\u0642 \u0644\u0647 \u0623\u0646 \u064a\u0637\u0627\u0644\u0628 \u0628\u0643\u0644 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0645\u0646 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0645\u0633\u0624\u0648\u0644 \u0639\u0646 \u0627\u0644\u062d\u0627\u062f\u062b.&#8221;<\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif;\">Fat\u1e25 al-Qad\u012br, vol. 4, pg. 217<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Only Allah knows best.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Written by: Alimah Aisha Qureshi<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Checked and approved by: Mufti Mohammed Tosir Miah<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Darul Ifta Birmingham<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fatwa ID: 08125 &nbsp; Answered by Alimah Aisha Qureshi &nbsp; Question: &nbsp; I think you may have touched on this subject before, but I hope&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1946],"tags":[],"_links":{"self":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/36825"}],"collection":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=36825"}],"version-history":[{"count":4,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/36825\/revisions"}],"predecessor-version":[{"id":38294,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/36825\/revisions\/38294"}],"wp:attachment":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=36825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=36825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=36825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}