• Do you rely on your employment income to support yourself or others?
  
  
• If you were injured, would you not have access to disability benefits through your employer benefits or private disability insurance?

What it covers: Helps replace income you or another covered person may lose because of an auto accident.

• Are you a student, unemployed, or retired?
  
  
• Would an injury affect your ability to live independently or pursue education?

What it covers: If you or another covered person is a student or unemployed and an auto accident keeps you from leading a normal life, this benefit can provide financial support while you recover.

• Are you the primary caregiver for children, aging parents, or disabled family members?
  
  
• Are you a single parent?

What it covers: Helps cover caregiving expenses if you or another covered person is injured in an auto accident and can no longer provide care for a household member such as a child or aging parent, who needs it.

• Are you a full- or part-time student?
  

What it covers: If an auto accident keeps you or another covered person from attending school or an education program, this benefit can help cover the costs you have lost.

• Do your family members live far away?
  
  
• Would your family need to visit you if you were seriously injured?

What it covers: Helps cover reasonable and necessary expenses of visitors, such as a sibling or parents, if you or another covered person is injured in an auto accident.

• Would you need to hire someone to take over housekeeping duties if you were injured?
  

What it covers: Helps cover costs if you or another covered person is unable to perform the housekeeping and home maintenance tasks normally done before an auto accident.

• Do you regularly carry valuable items such as glasses, hearing aids, or mobility devices?
  
  
• Would replacing these items be costly if damaged in an accident?

What it covers: Helps cover the cost to repair or replace personal items (e.g., clothing, prescription eyewear, hearing aids, etc.) damaged in an auto accident.

• Would your family need financial support to cover ongoing expenses if you passed away in an auto accident?
  
  
• Do you lack life insurance or other coverage for funeral expenses?

What it covers: Compensates some family members if you or another covered person die due to an auto accident.

• Would your family struggle to cover funeral or burial expenses?
  

What it covers: Helps cover some funeral costs if you or another covered person die due to an auto accident.

• Do you think the standard coverage for medical, rehabilitation or attendant care may not be enough to meet your needs?
  
  
• Do you have a high-risk lifestyle, underlying health conditions, or limited access to care through other plans?

What it covers: Helps cover expenses for medical benefits beyond the standard limits.

• Do you have children or dependants who rely on you for daily care?
  
  
• Would an injury prevent you from working and caring for your dependants at the same time?

What it covers: Helps cover reasonable and necessary additional expenses associated with caring for dependants such as a child, spouse, or aging parent.

• Are you concerned about the cost of living reducing the value of your benefits over time?
  

What it covers: Helps to ensure that certain weekly payments and monetary limits are adjusted annually to reflect changes in the cost of living.