For example if someone sues you or you need to go to court to get money back from an uninsured driver.

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Personal accident cover Personal accident cover could provide compensation to the policy holder or their partner if either are injured or killed as a result of a car accident. These are called uninsured losses and can cover alternative transport while your own vehicle is being repaired loss of earnings personal injuries and the excess on your policy. Legal cover provides financial protection against legal fees and losses following an accident that was not your fault.