Is it permissible to take compensation money from accident insurance as a substitute for blood money (Diyya), given that the driver refused to pay, and the insurance has no relation to the driver or the deceased, and the accident occurred in a secular country where usury is widespread?

If your right to blood money (Diyyah) for accidental killing is established, there is no impediment to accepting it from the insurance company, regardless of the type of insurance or the company's relationship with the driver. This is because the impermissibility of subscribing to commercial insurance does not necessitate the impermissibility of taking one's right from the insurance company if it is committed to paying it on behalf of the one who caused the accident. Furthermore, the prevalence of usury (riba) in a country does not prevent one from taking what is rightfully theirs and benefiting from it.