Interest and Gambling

Q:

1. Are all forms of insurance haraam in the west? If a person doesn’t have car insurance in a western country and they have an accident, they have to pay $10,000 to cover the costs of not only their own vehicle but the other vehicle if it is their fault? Where can a Muslim who doesn’t have insurance, get all that money from?

2. Is medical/dental insurance haraam in the west? There are Muslims in the west that live with their elderly parents and they always have to go to hospital and if they didn’t have medical insurance, they would have to pay so much thousands of dollars of money that they simply wouldn’t have it. Where would they go to get their medical treatment. Would they do nothing?

3. Many people say that when you earn money in the west and go to banks to withdraw that money, that money is interest money which the bank runs on so you can’t do anything?

Q: I had an accident and in a claim I received some money from the insurance company of the other party and there is some amount of injury as well but I didn't get any injury.

I just wanted to now whether I can use that money or not. If no, can I give that to anyone who is in need and not eligible for sadaqa?

Q: Person A gives person B his interest money declaring it as such. Person B gives person C the money declaring it as such, appointing person C a representative of the poor. Asks person C to dispose of the money. Is it jaaiz for person C to use the money for person D children school fees without declaring it as interest?

Q: We live in a country, where it is impossible to buy a house on a full amount, it is more expensive than Europe. My husband is religious and wonts take a mortgage. We have been married for 2 decades and wasted lots on rental property, and the headaches that come with it. Buying ones own house is a basic necessity and advised by scholars, elders, alike if possible.

1. Is buying a house in installments permissible in Islam? From a real estate developer?

2. Can one use an installment plan which is jaiz, from a bank such as Al Rajhi bank?

Q: I want to buy a house under the right to buy scheme but cannot get a halal mortgage. I have found no Islamic bank that offers a halal mortgage for government schemes. Please advise if I can use abnormal bank. 

Q: We got a message that we were chosen as the winners of Canada Coca-Cola's new year lottery. They were promised to give us some dollars. Is it halal for us? 

Q: What to do with interest money?

Q: Can interest money be used to pay tax (SARS)? What else can interest money be used for, payment of fines? 

Q: I wanted to enquire about Credit Card Rewards. I have a credit which is Shari'a Compliant as per clear statement from the bank:

Bank FAQ's

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Q. Is the card Shari'a compliant?

A. The Emirates Islamic cashback is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

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My question is as per your fatwa before, you said all cashbacks coming from credit cards are haraam?

1. What about this? Is this card cashback still haraam?

2. If it's haraam, please tell me how? Based on your answer I will decide to scrap the card or not.

3. Is there a difference of opinion between the four madhabs?

Q: The situation is as follows:

A person crashed a car of the owner by hitting a railing. The owners insurance was cancelled. The person drove off as no police report was needed. The owner of the car is saying you can either pay $1000 for the car and keep it or pay for the damages because the person is not able to get it renewed with his insurance. The owner had been paying $200 a month for it for about 4-5 years. The person is buying the car from the owner and taking it to another city. In the other city he will get the car safetied in its current condition and get insurance on it. He will then claim the car so that insurance can pay for the damage to fix the car. All the while he will be paying $150-200 for the car monthly in insurance. Is this correct for someone to do or is it haraam for someone to do that? One other point is he can pay insurance the full yearly amount upfront which is around $2400, and he may get 2-3 grand back for the car which they may treat as a write off.