As reported by the Daily Mail on February 15, 2014:
Uninsured hit-and-run driver who killed father-of-four was caught by police after trying to claim for damage to windscreen... using his WIFE's policyRead the rest HERE.
A hit-and-run killer who callously drove off after fatally injuring a father-of-four was caught after trying to claim for the damage on his wife's car insurance.
Majid Bashir did not have a licence when, driving his wife's Nissan Micra, he hit Stephen Chappell crossing a busy road last January.
He carried on driving for one-and-a-half miles with a shattered windscreen, before abandoning the vehicle near Great Barr, West Midlands.
Mr Chappell, an HGV driver, suffered severe head injuries and died days later.
But soon after, Bashir, 39, contacted his wife's insurance company to make a claim for the damage.
...Bashir was found guilty of causing death while uninsured, aggravated vehicle-taking and dangerous driving.
He was jailed for four years and nine months at Birmingham Crown Court, and banned from the roads for four-and-half-years....
What do Muslims believe about insurance?
Under common interpretations of Islamic law, conventional insurance is forbidden in Islam.Perhaps a reader of this blog knows if the following true in the UK; in any case, those of us living in the United States should take notice:
Many scholars criticise the system of conventional insurance as exploitative and unjust. They point out that paying money for something, with no guarantee of benefit, involves high ambiguity and risk. One pays into the program, but may or may not need to receive compensation from the program, which could be considered a form of gambling. The insured always seems to lose while the insurance companies get richer and charge higher premiums.
However, many of these same scholars take into consideration the circumstances. For those living in non-Islamic countries, who are mandated to abide by insurance law, there is no sin in complying with the local law. Sheikh Al-Munajjid advises Muslims about what to do in such a situation: "If you are forced to take out insurance and there is an accident, it is permissible for you to take from the insurance company the same amount as the payments you have made, but you should not take any more than that. If they force you to take it then you should donate it to charity."...
Do Muslims in the US have to pay car insurance?Another caveat....Here in the United States, taxicabs are often driven by Muslims and foreign nationals of all ilks. As I learned to my chagrin back in May of 2005 when I had a serious auto accident resulting in permanent physical injury to my back — an accident the fault of a cab driver who ran a stop sign — cab companies typically transfer all liabilities to the individual cab driver instead of cab companies carrying a policy on the vehicle for hire even if the cab is not a gypsy cab.
Answer: Not required in any state. If you live/drive in area where Muslims reside, do not waive uninsured motorist coverage.
To be fair, I should note the following: here in the state of Virginia any driver can register a vehicle whether or not that vehicle is covered by insurance. Is the situation similar in the state where you live?