Answer
(Fatwa: 186/180=B)
First calculate the price of the car with the additional amount of interest on instalment and then purchase the car from the bank in return of the total amount considering the total amount as the price of the car. Then keep on paying the amount on instalment. Thus, you can avoid giving interest in purchasing a car.
(2) If your brother became needy due to the loss, then in case of emergency a needy person can take loan from bank only as much as necessary: ویجوز للمحتاج الاستقراض بالربح [الأشباہ]
Allah (Subhana Wa Ta’ala) knows Best
Darul Ifta,
Darul Uloom Deoband