See Below For Safe Driver Coverage, Explained in Plain Language

Monthly disability income

When it pays: A motor-vehicle accident leaves you totally disabled and under a physician's regular care. Payments start from the first day and continue for up to six months, at the monthly level you choose when you apply.

Worth knowing: You can't be considered disabled under two claims at once — the test is tied to your own occupation.

Hospitalization cash

When it pays: Each day you're hospitalized as a result of a covered accident, a daily amount is paid — up to two months' worth — on top of any disability income.

Accidental death benefit

When it pays: A lump sum to your beneficiary if death results from the accident — paid in addition to everything else under the policy.

Permanent total disability

When it pays: A larger benefit if the accident leaves you permanently unable to work. It's built to grow: the longer the policy is kept, the higher the maximum climbs.

All Accident Rider (optional)

When it pays: Monthly disability income for accidents of any kind — not just road accidents — with partial-disability benefits for up to three months at half the monthly amount.

Total disability — the monthly income test

The test: Because of the accident injury, you're under a physician's regular and personal care, unable to perform the important daily duties of your own occupation or profession, and not gainfully employed in any other occupation. For homemakers, the test is the ability to handle normal household duties. Disability is deemed to begin with your first medical treatment after the accident.

What this means: It's an own-occupation test with a work test attached — you can't collect while doing other paid work, and your physician's care is part of the claim from day one.

Permanent total disability — the stricter test

The test: Three things must all be true: you've already received total-disability benefits for six months; you've been permanently disabled for at least twelve months; and you're permanently unable to engage in any employment or occupation for wage or profit — any work, not just your own.

What this means: Once permanent total disability benefits begin, the policy has done its job and terminates. The benefit itself is larger, and grows the longer the policy is kept before the accident.