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@ojeffcott
For personal injury cases, legal expense cover is less useful than people think. If a case has over 50% prospects of success, most personal injury law firms (including Leigh Day) would probably take on the case under a no win no fee agreement anyway. If the case has less than 50% prospects of success, then it is unlikely that the legal expense insurers would cover the case at all (nearly all policies have terms to exclude such cases).
So, you are basically in the same position with or without insurance!