I think you may be getting confused, "the main con is that the insurance company settle 50/50" has nothing to do with legal cover. Legal cover is there to cover the cost of solicitors or legal fees in recovering your losses as a result of a third parties negligence. Due to the changes in the Criminal Reform Bill increasing the claims threshold from £1000 to £5000, it means you cannot recover your legal fees for claims less than £1000. This is the direct area where whiplash claims occupy. Last year I would have advised you do not need legal cover, this year and moving forward, I would recommend everyone to purchase it. Just read the terms and conditions and research the provider to make sure the policy covers your demands and needs.