Disability insurance is crucial for individuals unable to work due to injury or illness. The relevant scenario here is a person being unable to work for several months after a car accident. Other scenarios presented involve property loss or temporary health issues, which don't require disability insurance. ;
The correct situation for needing disability insurance is when a person is in a car accident and cannot work for several months. Other scenarios involve property loss or temporary health issues that do not require this specific type of insurance. Disability insurance provides financial support during periods of inability to work due to injury or illness.
;