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

under which circumstance would someone need disability insurance?\na persons suitcase was stolen and valuables were lost.\na person has contracted the flu and needs a prescription.\na person was in a car accident and cannot work for several months.\na persons house was seriously damaged during a natural disaster.
Answer
Brief Explanations:
Disability insurance is for when a person can't work due to injury or illness. A car - accident preventing work for months fits this. Stolen suitcase, flu with prescription, and damaged house are not related to inability to work due to disability.
Answer:
A person was in a car accident and cannot work for several months.