Is motor legal cover and personal injury actually worth the extra?

I have fully comprehensive car insurance with motor legal cover and personal injury cover. My car was written off by a farmer's loose cow at 4am. My family were injured and I have suffered a big financial...

Is legal cover insurance worth it?

I am about to renew my car insurance and have read online the pros and cons of including legal cover. Peace of mind seems to be the main pro and I think the main con is that the insurance company may settle...