Definition - What does Civil Action mean?
A civil action is a legal action brought upon one private citizen against another. This is distinguished from a criminal action, in which a citizen is tried against the state. In terms of insurance, a person can be provided with money for legal fees or a lawyer for a civil action if he or she has liability insurance.
Insuranceopedia explains Civil Action
A civil action can be initiated when one person claims that another has violated his or her rights. This is different from a criminal action, when a state prosecutes a person for alleged wrongdoing. A government lawyer is assigned against a defendant in a criminal case, whereas private lawyers are hired in civil cases.
It is possible for an action to be deemed both a civil and criminal offense. For instance, a man's fingers are broken when another person physically attacked him. The wrongdoer could be charged by the state for assault. The assaulted man might also pursue a civil action against the person to claim money if, for instance, he happens to be a pianist and the broken fingers cost him his career.
Liability insurance can be bought to provide the legal fees for civil action and even legal representation.
How Well Do You Know Your Life Insurance?
The more you know about life insurance, the better prepared you are to find the best coverage for you.
Whether you're just starting to look into life insurance coverage or you've carried a policy for years, there's always something to learn.