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My daughter is writing this as I am unable to use the computer comfortably.
We have now re-read the insurance documents associated with the car. It would seem that Personal Accident Cover only applies where there was a loss of eyesight, or limb, or death. Since none of the above occurred, the advice my mother received from the insurance company is correct, and there is no cover for her injuries.
So we do not require any further advice from you in the matter