The insurance pays compensation when an insured person suffers a serious injury as a result of an accident. If you have been involved in an accident you should refer to the policy to see what level of damage must have arisen for a claim to be met. This varies and cannot be dealt with here. You should note that the insurance is not an income replacement plan. The intention of the insurance is to pay a lump sum where the prescribed level of damage or disability is reached.
Accident is defined in the policy as "a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place during the Period of Insurance."
We recommend that you secure a full copy of the policy wording available through your employer.