My wife had a non-fault personal injury accident some time back and obviously contacted her insurance company. Her insurance company in turn put her in touch with a Claims Management Company who (from our point of view) dealt with the whole accident claim and we were pleased with the outcome. Alas we can't remember whether we had Legal Assistance Cover bolted on to her car insurance that year or not.

It is time to renew my car insurance this month. Is there any benefit to pay for an additional premium for Legal Assistance Cover on top of the basic insurance premium or is it sufficient just to pay for the basic insurance premium and if I had an accident, apart from contacting my insurance company for notification purposes only, to go through a Claims Management Company instead of my insurance company. In essence, are the additional car insurance options that are on offer of Legal Cover and/or Personal Injury Cover worthwhile or will the basic comprehensive insurance cover suffice?