Crossword Genius

Teacher's vehicle with fine accessory (9)

Ross

I believe the answer is:

headscarf

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'accessory' is the definition.
Both the answer and definition are singular nouns.
Maybe they are linked in a way I don't understand?

'teacher's vehicle with fine' is the wordplay.
'teacher's' becomes 'head's'.
'vehicle' becomes 'car' (car is a kind of vehicle).
'with' is a charade indicator (letters next to each other).
'fine' becomes 'f' (abbreviation in pencil classifications).
'heads'+'car'+'f'='HEADSCARF'

Can you help me to learn more?

(Other definitions for headscarf that I've seen before include "Ladies' garment" , "This may afford some protection" , "adornment for loaf" , "top dressing put on by woman" .)

I've seen this clue in The Independent.
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