In our country, medical & car insurance is mandatory. A lot of Muslim brothers say that we take these policies because we have to obey the law; but at the same time, if a need arises, it’s best not to use any benefit from these policies. Can you pls explain whether it’s best not to use them? Also some points which I can convey to them as well.
If it is obligatory for you to take the insurance in the country where you are living, then yes, in this case it is permissible.
As for benefitting from the insurance: https://www.assimalhakeem.net/my-family-was-involved-in-a-motor-vehicle-accident-and-as-with-law-in-canada-i-order-to-drive-a-car-you-must-have-insurance-my-kids-were-bruised-up-my-ribs-and-chest-very-hurt-is-compensation-har