Category: Business Matters
Fatwa#: 35451
Asked Country: United States

Answered Date: Oct 27,2018

Title: Can I claim my damages from opposition party’s insurance?

Question

My wife and I were involved in a car accident a few months ago. We were hit by another driver from behind. Her insurance company accepted responsibility for the accident. We started phyisical therepy for pains in our neck and back. For myself, i have two herniated disks in my neck and back due to the accident. The pain has gradually come down. However, our orthopedic specialist said that he wanted to operate on my neck because he says there is a greater chance of injury if I dont operate due to the nature of the herniated disk. It has been said by my two doctors that even if I feel some relief, due to the herniated disks being from injury, I would need the surgery later on in life. Here's the thing; the lady's car insurance has a big payment policy to those who are hit. Ever since I found out how much, I feel strange. I was thinking of having the surgery before I found out. I want my intensiona to be clear. Even though my injuries have some improvement with the pain, medically speaking, the only way to fix a herniated disk is the have the surgery. Should I have the surgery and get compensation from the lady's car insurance since they offer to cover per their policy?

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

If the damage to your herniated disks was caused by the accident,[1] it will be permissible for you to undergo a surgery and get compensated for it from the insurance company.

 

And Allah Ta’āla Knows Best

Aboobakr Siddeeq bin Mufti Amjad Mohammad

Student Darul Iftaa 

Azaadville, JHB, South Africa

Checked and Approved by,
Mufti Ebrahim Desai.



[1]  البناية شرح الهداية (13/ 186)

[دية من ضرب عضوا فأذهب منفعته]

م: (قال) ش: أي القدوري م: (ومن ضرب عضوا فأذهب منفعته ففيه دية كاملة كاليد إذا شلت والعين إذا ذهب ضوؤها لأن التعلق) ش: أي الموضع الذي يتعلق به وجوب كل الدية

البناية شرح الهداية (13/ 194)

(وتفسير حكومة العدل على ما قاله الطحاوي - رَحِمَهُ اللَّهُ - أن يقوم مملوكا بدون هذا الأثر ويقوم به الأثر ثم ينظر إلى تفاوت ما بين القيمتين، فإن كان نصف عشر القيمة

يجب نصف عشر الدية، وإن كان ربع العشر فربع عشره)

عيون المسائل للسمرقندي الحنفي (ص: 286)

1415. الحسن بن زياد عن أبي حنيفة في رجل قطع أذني عبد أو أنفه أو حلق لحيته فلم ينبت فعليه ما نقصه

شرح مختصر الطحاوي للجصاص (5/ 459)

فإذا أتلف ماله قيمة من جهة التعدي: ضمن.

المبسوط للسرخسي (26/ 95)

(ألا ترى) أن الإتلاف كما لا يكون موجبا للضمان بدون محل صالح له، وهو المال المتقوم لا يكون موجبا بدون الأهلية فيمن يجب له، وفيمن يجب عليه

 

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