I have a Toshiba U920t and it's showing a message on start up saying "Insert system disk in drive. Press any key when ready...."
This laptop does not have a disk drive and I don't know what a system disk is. Can anyone give me a hand here?

And what happens when you press the "any key"? Is this a new problem with the system? Was it working ok before this started? Have you tried booting into the recovery partition and running the recovery tools?

In any case, it sounds like you have a disc or disc controller issue and the BIOS is not recognizing the disc or cannot read it. That sounds like you need to send it in for repair. Hopefully it is still under warranty.

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