Q. If I have an accident in my car, is it permissible for me to take money from the insurance company?
A.The shaykh (hafidhahullaah) said that if a person was not at fault and they need money in order to fix their car, they are allowed to receive the money. Whether this money comes from the person who wrecked them or whether that person who wrecked them takes it from the insurance company, that is not his fault or his sin; it is the person who pays who is responsible to look who they are taking the money from.
Shaykh Saalih Muhammad al-Luhaydaan (May Allaah preserve him) (Kitaab-ut-Tawheed Class, Q&A Session 08-08-2012, Riyadh)