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Subject : Islamic Ruling on Receiving Compensation for Material Damage
Fatwa Number : 3884
Date : 02-06-2024
Classified :
Fatwa Type : Search Fatawaa

Question :

I was involved in a car accident and fell on my back, which resulted in sustaining muscle contusions. Is it permissible for me to receive compensation from the insurance company for these injuries?



The Answer :

All perfect praise be to Allah the Lord of the Worlds. May His peace and blessings be upon our Prophet Mohammad and upon all his family and companions.

Compensation for material damage is permissible in Islamic jurisprudence. Islamic scholars have outlined the Sharia reasons for financial compensation. Numerous Quranic verses support the principle of financial compensation, and scholars of the Ummah (Muslim community) have implemented this principle. One such example is the Quranic verse, which states (what means): {And upon the killer is the blood money to be paid to the family of the slain.} [An-Nisa`:92]. In this verse, Allah the Almighty establishes the principle of financial compensation for the wrongful killing of an innocent soul. Imam Al-Mawardi (may Allah have mercy on him) stated, "Whoever damages something is obliged to compensate for it." [Al-Hawi Al-Kabir, Vol. 7/P.121].

In Islamic jurisprudence, the general rule is that compensation for damage is borne by the direct perpetrator or the one who caused it. This is because the basis for compensation is the act itself. Sheikh al-Islam Imam al-Ramli (may Allah have mercy on him) stated, "Whoever damages the property of another, or transgresses its use, is obliged to pay the replacement value of what he damaged, the wages for what he used, and the like." [Nihayatul Mohtaj, Vol. 4/P. 380].

In conclusion, it is permissible to receive compensation from insurance companies if it is obtained due to actual harm caused by an accident, and there is no fraud or deception involved in the matter. And Allah the Almighty knows best.






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