Question:
I want to ask the ruling of Compensation. Because I was involved in a car accident and at the time I felt ok, but after few hours my lower back and both sides started to pain, to an extent when I sleep on my back it is really painful, when I sit, I keep moving to different postures due to the pain.

A friend told me I am able to claim for compensation and using the pay for massage therapy. This will involve informing Claims Company, who will contact the car insurance company, who will pay a lump sum amount, depending on to what I am entitled to. The payment is made after a long process, Medical checks etc.

I don’t know whether it is permissible as insurance company will be paying.

Answer:
 In the Name of Allah, the Most Gracious, the Most Merciful.
 
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, you are permitted to reclaim any amount of damage caused to your vehicle or person in terms of medical costs.[1] It will not be permissible to lay claim for more than the amount of damages incurred. However, if the insurance company chooses to pay you more than the incurred losses, it will be permissible for you to accept it as it was voluntarily offered by the company.

In addition, it is permissible for you to accept the money the insurance company will pay you.[2]

And Allah Ta’āla Knows Best

Mufti Faraz Adam