The first time I heard the term ‘disabilities insurance’ I thought it was a joke.

But after my accident, my family and I had to deal with the insurance company and the fact that I couldn’t drive.

The first time my husband and I heard that term was when we were at a party at my mum’s house.

I’d just broken a car window and was in a car accident, with no one there to help me.

When I went into the emergency room, the doctor said my car had broken down.

We didn’t understand what he was saying.

“Oh my God, my car broke down?”

I said to my husband.

Then the doctor told me I had a disability insurance policy.

It was the first time that word ‘disable’ ever came up in my head.

My husband was furious.

He had never heard of a disability policy.

We were just living through our own personal tragedy.

What would I be doing if I had no car insurance?

The first thing I did was look up the insurance industry, to find out how many policies cover me.

When I found out that my car policy covered me, I knew I’d have to buy a car insurance policy if I wanted to be covered by my policy.

It was just one of those things that just seemed too good to be true.

But, thankfully, I had other options, as I’ve got a disability and had to buy my own car insurance.

I’d been told by some insurance companies that it wasn’t possible for someone with a disability to drive a car, and so my policy would cover my accident.

This was the year I realised I wasn’t alone.

I’m not the only one with a problem.

A study conducted by the Australian Institute of Health and Welfare found that more than a quarter of Australian people with a condition, disability or learning disability were unaware that their policy covered their disability.

In 2017, about half of those who were covered by their own insurance did not pay any premiums for their policies.

Some of the reasons for this are complex.

A few examples include: insurers can’t tell you what your conditions are because they don’t know if you have any, or if you are covered by a disability or a learning disability policy