Final answer:
Disability insurance is the type of policy that replaces lost wages if a driver is injured on the job, differentiating it from other insurances like health, auto, or life insurance. Workers' compensation is an employer-funded insurance that also covers on-the-job injuries.
Step-by-step explanation:
The type of insurance that replaces lost wages if a driver gets hurt on the job is disability insurance. While the other types of insurance mentioned, such as health insurance, auto insurance, and life insurance, have their own specific uses, none of them are designed specifically to replace lost wages due to an inability to work caused by an on-the-job injury. For instance, health insurance covers medical care expenses, auto insurance covers costs related to automobile accidents, and life insurance provides for one's family in the event of the insured's death. Additionally, workers' compensation insurance is another form of protection whereby employers are required by law to contribute to funds that offer benefits to employees injured at work.