This applies if you were in a car accident or hit by a car.
This applies if you were injured while on the job
This applies if you were employed at the time you became disabled, or unemployed for less than 4 weeks beforehand.
For long term disability, lasting more than one year.
This applies when the accident was at least 1 % someone else's fault. It is the ONLY WAY to be FULLY COMPENSATED for an injury. The benefits above provide medical payments or lost wages, but NOT pain and suffering. Only a negligence lawsuit compensates you for pain - physical and mental - and suffering, the biggest cost of a serious injury.