under which circumstance would someone need disability insurance? a persons suitcase was stolen and…

under which circumstance would someone need disability insurance? a persons suitcase was stolen and valuables were lost. a person has contracted the flu and needs a prescription. a person was in a car accident and cannot work for several months. a persons house was seriously damaged during a natural disaster.
Answer
Brief Explanations:
Disability insurance provides income when a person can't work due to a disability. A car - accident preventing work for months creates a work - related disability situation. Losing valuables, getting the flu, or house damage don't relate to work - disability.
Answer:
A person was in a car accident and cannot work for several months.