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You do still have to be very careful. It's one thing being awarded damages and costs etc. It's another thing actually getting it. And if it's gone to court in the first place, I would suggest that the other side will be unhappy to pay out, so you might then need to employ a debt collector. Lots of hassle really, and if it was me, I'd simply leave it all to the insurance company. I'm presuming that most people on here take out the legal protection option too? Not to mention protected no claims cover.
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