Claiming from insurance company for accident damage
Question
Someone bumped my car and gave me their insurance details to claim directly from the insurance company. Is it permissible for me to claim from them?
Answer
The person that bumped your vehicle is responsible for damages. In the queried scenario, he is simply transferring his debt over to his insurance company. If you accept to claim from them, then there is no harm in doing so as they are paying on behalf of the person that bumped you. If the insurance company for some reason refuses to pay you out, you may claim directly from the person that bumped you.
- Answered by
- Mufti Mohammed Desai
Where scholars differ, it’s safer to take the more cautious view.
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Source: Darul Ifta Ibn Masood — https://fataawa.co.za/claiming-for-accident-damages-from-insurance-company/
Fatawa SA: https://fatawa.co.za/fatwa/ibnmasood-18695
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Ibn Masood · 392 fatawa from 7 Darul Iftas on this
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