I am 25 years old and couple of years back I had a terrible car accident. Doctors didnt expect me to survive. I have an artificial graft attached to my heart for "Aneurysm" and I have a rod in my right leg. If you see me personally, then you will never be able to make out that I ever I had an accident. Doctors said that my young age was a positive point in my total recovery. I am an engineer and I can do most of my day to day activities normally, but say suppose I have some complications in future and I am not being able to perform my job, then should I get some kind of disability insurance? The accident was not my fault. The 16 year old kid who was driving that sports car, caused an accident and died. I am left with an artificial part of my heart and a broken leg. I might even become handicap after a while, so should I go for the disability insurance? How does it work? Will it account for my pre-existing health condition caused by someone else? Any advice will be greatly appreciated.