Insurance company claims
Q: I recently had an accident and the insurance of the person responsible is paying me for the repair of my car. The amount that they are paying is according to the quote I gave them which I got from the panel beaters. I did not ask the panel beater to inflate his quote. If I now manage to get the panel beater to reduce his price, can I keep the extra money or do I have to return it to the insurance company?
A: The insurance company is paying you on behalf of the person who knocked you. Hence, the money you receive is in lieu of the damages caused to your car. Once they pay you the money, the money belongs to you. You may keep the entire amount or use it to repair your car. If you are able to repair your car for less than the original quote, you do not have to return the extra money to the insurance company.
And Allah Ta'ala (الله تعالى) knows best.
(كل عقد جاز أن يعقده الإنسان بنفسه جاز أن يوكل به غيره) لأن الإنسان قد يعجز عن المباشرة بنفسه على اعتبار بعض الأحوال فيحتاج إلى أن يوكل غيره فيكون بسبيل منه دفعا للحاجة (الهداية 3/136)
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