Seeking your needs from Allah (SWT) in your own language is permissible during Qunout after reciting any Du;a in Arabic for Qunout. Du'a of Qomout should involve Arabic part then rest can be in any language.
There are many supplications for protection beside repeating Estighfaar and Salawaat and giving Sadaqa. These supplications are mentioned in many books like Mafateeh Al-Jinan. One of these Du'as is (أُعيذُ نفسي وديني وأهلي ومالي وما رَزَقَني رَبِّي بالله الواحد الأحد الذي لم يلد ولم يولد ولم يكن له كفوا أحد.
(O'EETHU NAFSI WA DEENI WA AHLI WA MAALI WA MACRAZAQANI RABBI BILLAH AL WAAHUD AL-AHAD ALLATHI LAM YALID WALAMBYIULAD WALAMBYAKON LAHU KOFOWAN AHAD)
‘First: In Sura Yusuf, verse 97. The sons of Prophet Ya'qoub said : O our father, pray for forgiveness for us from our sins. He replied them : I will pray pray for your forgiveness. If it was not right to ask someone to pray for your sins, the Prophet Ya'qoub should have told them not to ask, and he should have not accept their request to pray for their forgiveness.
Second: Allah (SWT) in Sura An-Nisa;, verse 64 is teaching us in Quran how to seek forgiveness. ( Had they when they wronged themselves (by sinning) come to you and prayed for forgiveness and the prophet prayed for their forgiveness, should have Allah accepting repentance and Merciful.
These are just two examples from Quran. We have many authentic Hadeeths from the Prophet (SAWA) in this regard.
You should not be worried as all what have mentioned are usual incidents in life. You need to be sure that you are not involved in any sinful act or acts and you need to repeat Isteghfaar (ASTAGHFIRULLAH) or (ASHTAGHFIRULLAH RABBI WA ATIUBU ELAYH. It is also very useful to repeat (LA HAWLA WALA QOWWATA ILLA BILLAH) as many times as you can.
payung Sadaqa is also very useful in protecting you from harm or danger or hardships.
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